Social and Behavioral Sciences Commons^™

Homeownership And Mortgage Loans: How Important Is A Conventional Loan?, Zachary Owen, Cory Curl

Posters-at-the-Capitol

Communities across the United States face a housing crisis that stems in part from a scarcity of conventional home mortgage loans. In 2020, the Urban Institute reported that when applying for a mortgage, Black applicants were denied 27.1% of the time, yet White applicants were denied only 13.6% of the time. These denial rates are highly correlated with homeownership rates. Today, despite policy efforts, the difference in White and Black homeownership rates is higher than in the 1960s when the government enforced discriminatory housing policy.

Because lenders often cite credit score concerns and high debt-to-income ratios as rationales to deny …

The Future Of Human Trafficking Legislation: A Policy Analysis, Zoe E. Hunt

Posters-at-the-Capitol

Current legislation and policies are not effective enough to fight human trafficking as it continues to change and evolve worldwide. Human trafficking is not just sex trafficking; labor trafficking, organ trafficking, people smuggling, and forced criminal activities. This evolving and changing global issue continues to grow into a highly profitable "business." Overseas, many countries struggle to handle this issue, and some countries do not handle it at all. The United States has a major human trafficking problem that will continue to worsen unless there is a change in the government. The U.S. Congress should be more focused on the growing …