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arthur_affect's profile
Arthur Chu
Arthur Chu
Arthur Chu
Verified account
@arthur_affect

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Arthur ChuVerified account

@arthur_affect

Mad genius, comedian, actor, and freelance voiceover artist broadcasting from the distant shores of Lake Erie (he/him)

Broadview Heights, Ohio
arthur-chu.com
Joined August 2009

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    1. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      Arthur Chu Retweeted Michael Harriot

      Denying loans to poor people is normal underwriting, you're *supposed* to decide whether to give them a loan based on their income and credit history Redlining means throwing out applications before you even look at the numbers because the address is in a "Black neighborhood"https://twitter.com/michaelharriot/status/1227846159319867393 …

      Arthur Chu added,

      Michael HarriotVerified account @michaelharriot
      My favorite part about this video is that Bloomberg thinks redlining denied loans to poor people. The entire POINT of redlining was to empower poor whites while denying $ to ANY black person. A thread about the 2nd most racist policy in history (Slavery is still #1) https://twitter.com/AnandWrites/status/1227757529859526656 …
      Show this thread
      1 reply 22 retweets 104 likes
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    2. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      Denying loans to people because you don't think they have the money to pay them back is the normal way loans work You may not like that, but "redlining" is a completely separate issue from that, and both the class-first left and the pro-redlining right love muddling this issue

      1 reply 4 retweets 34 likes
      Show this thread
    3. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      You end up with people talking like you can't ban redlining without going to Full Socialism Now, like denying a mortgage because someone doesn't have a steady job is exactly the same thing as throwing out all the applications that come from Harlem It's really obnoxious

      2 replies 1 retweet 28 likes
      Show this thread
    4. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      It's like the argument from Jacobin that you can't have reparations for chattel slavery because ALL labor under capitalism is slavery so if you give reparations only to descendants of chattel slaves you're defending the general oppressive framework of capitalism

      1 reply 1 retweet 21 likes
      Show this thread
    5. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      Anyway it's precisely this conflation that led to people saying anti-redlining measures led to the housing bubble that popped in 2009 Like people were really asking for underwriting to go away completely rather than everyone being evaluated by the same rules

      1 reply 2 retweets 25 likes
      Show this thread
    6. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      They play this game a LOT Black people ask "Can we just be judged by the same rules as white people" "What's that? You want there to be NO RULES? You want us to just give away everything for FREE? You want chaos in the streets?"

      3 replies 5 retweets 42 likes
      Show this thread
      Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

      Anyway, the 2009 foreclosure crisis was caused by underwriters approving a lot of loans that should simply never have been offered and this shouldn't be controversial on the left (if you want to give things to the poor you should give them not lend them)

      4:33 AM - 13 Feb 2020
      • 2 Retweets
      • 40 Likes
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      2 replies 2 retweets 40 likes
        1. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020

          The majority of those mortgages were held by white people, and this whole thing was a completely separate issue from redlining and should not be spoken of as the same topic

          2 replies 1 retweet 27 likes
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        2. Abigail Nussbaum‏ @NussbaumAbigail 13 Feb 2020
          Replying to @arthur_affect

          Even that alone wouldn't have caused the crisis, which was caused by Wall Street packaging and financializing those bad loans, and the ratings industry giving them ratings they never deserved. Poor people taking out loans they couldn't afford were not the villains there.

          1 reply 0 retweets 5 likes
        3. Arthur Chu‏Verified account @arthur_affect 13 Feb 2020
          Replying to @NussbaumAbigail

          Right, it was the availability of ready refinancing that convinced a lot of borrowers the possibility of foreclosure could be indefinitely delayed A lot of people didn't understand the nature of the system they were being asked to buy into and were deliberately misled

          1 reply 0 retweets 3 likes
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