Thread Options
|
#2131946 - 05/25/17 05:04 PM
Re: HMDA
KerriAnnF
|
Power Poster
Joined: Oct 2009
Posts: 9,104
OK
|
The thing is though: being "Hispanic" in North and South America is pretty much by definition speaking of people of 'mixed' ethnicity and/or race. Most "Mexicans" as we speak of them are of mixed-race (white and Native American). So saying you are mixed in regards to your "Hispanic-ness" is sort of..........confusing. The average Mexican, Puerto Rican, Cuban etc. is by definition "mixed" already.
_________________________
I'm fixin' to fix that.
|
Return to Top
|
|
|
|
#2131948 - 05/25/17 05:09 PM
Re: HMDA
KerriAnnF
|
10K Club
Joined: Jul 2003
Posts: 17,398
|
I'm past the point of caring. imho, the government is overreaching the basic precept that Reg C was written to curtail and that's redlining. Especially with all the 'enhancements' above and beyond Dodd/Frank that the CFPB has deemed 'necessary', HMDA has become an invasion of privacy, in my not so humble opinion. If I could encourage applicants to only apply by mail and mark 'I do not wish to provide' on everything, I'd do it in a heartbeat. Alternatively, if they want to check every box, have at it! Consider it my protest movement.
|
Return to Top
|
|
|
|
#2131949 - 05/25/17 05:10 PM
Re: HMDA
raitchjay
|
Power Poster
Joined: Jul 2002
Posts: 5,568
New Jersey
|
Change the categories to: Hispanic, not Hispanic, mixture of Hispanic and non-Hispanic. Frankly, the number of people who are of ethnically unmixed and racially unmixed heritage grows smaller by the day, at least in my experience. Maybe the day will come when everyone is of mixed background, and we can drop all these categories. Yeah, and maybe pigs will fly and bacon will grow on trees.
_________________________
Management is doing things right; leadership is doing the right things. Peter Drucker
|
Return to Top
|
|
|
|
#2131964 - 05/25/17 06:22 PM
Re: HMDA
Truffle Royale
|
Gold Star
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
|
I'm past the point of caring. imho, the government is overreaching the basic precept that Reg C was written to curtail and that's redlining. Especially with all the 'enhancements' above and beyond Dodd/Frank that the CFPB has deemed 'necessary', HMDA has become an invasion of privacy, in my not so humble opinion. If I could encourage applicants to only apply by mail and mark 'I do not wish to provide' on everything, I'd do it in a heartbeat. Alternatively, if they want to check every box, have at it! Consider it my protest movement. Preach Truff!!!!!
|
Return to Top
|
|
|
|
#2132148 - 05/26/17 04:26 PM
Re: HMDA
KerriAnnF
|
Power Poster
Joined: Aug 2006
Posts: 4,266
Chillin an grillin
|
I'm a little bit Filipino and by default a little bit Hispanic. What if I partially shade the boxes in??
We have had the conversation about what you would put if your middle eastern? It's not Asian; you could even come from a northern African country yet not be considered "black or African American" there's really no category for that. I've finally come to the conclusion that you would work your way down the list of races and if you don't identify with any of them then you must be white. It's sort of like white is the default unless your are Indian, Asian, Black or Pacific Islander.
_________________________
HMDAHMDAHMDAHMDAHMDAHMDA
|
Return to Top
|
|
|
|
#2132658 - 06/01/17 02:31 PM
Re: HMDA
KerriAnnF
|
10K Club
Joined: Nov 2000
Posts: 18,762
Central City, NE
|
Dan said: How do you propose we report the Ethnicity as both "Hispanic" & "Not Hispanic"? I'm not asking about reporting the subcategories if Hispanic is chosen and they also choose to complete the subcategories. The software will be geared to allow for that reporting but I do not anticipate the software will be geared to allow Hispanic & Not Hispanic to be reported for the same applicant, nor do I see why it would be. We'll have to wait and see how the software handles the reporting of this. I read the instructions to say people can choose to be both. As Truffle said "I don't care". I also subscribe to the "Can't Touch This" mentality. If the applicant marks both, I don't care and I need to transfer what they reported to the LAR. If they marked both, which is quite possible, the software reporting needs to be able to let me report what they marked. Saying I'm Hispanic but I'm not Hispanic is like saying I'm a little bit pregnant but I'm not really pregnant. You either are or you're not. I don't agree. As I stated in an earlier post, my son (non-hispanic) is marrying a hispanic lady. If they were to have children would you say they are one or the other? I think they could say "Dad is non-hispanic and mom is hispanic. Therefore, I am both. Just curious - Is "Not Hispanic" really an ethnicity? I question this too.
|
Return to Top
|
|
|
|
#2132670 - 06/01/17 02:50 PM
Re: HMDA
KerriAnnF
|
10K Club
Joined: Nov 2002
Posts: 20,656
The Swamp
|
I think the entire reason for having only one ethnic category is purely to help determine possible discrimination regarding a hefty portion of our current population. js
_________________________
My opinion only. Not legal advice. Say you'll haunt me - Stone Sour
|
Return to Top
|
|
|
|
#2132674 - 06/01/17 02:53 PM
Re: HMDA
KerriAnnF
|
Power Poster
Joined: Oct 2009
Posts: 9,104
OK
|
David, no one is saying that people can't have one Hispanic parent and one not Hispanic parent--just that the proper way for the federal govt. to reflect that (if that's what they want reflected....who knows what they want reflected) isn't to give the question in the form of "this" or "NOT this". If they wanted people to be able to say "i'm a little bit/part/half Hispanic", they needed to overhaul that section, not leave it like it's always been and suddenly say "they can now choose both answers, even though those answers technically cancel each other out".
At least...that's what i'm saying. IMO, it's a foolish way for them to handle it. They wouldn't have an "Irish" or "not Irish" section.
_________________________
I'm fixin' to fix that.
|
Return to Top
|
|
|
|
#2132691 - 06/01/17 03:50 PM
Re: HMDA
KerriAnnF
|
Power Poster
Joined: Oct 2009
Posts: 9,104
OK
|
I wonder if it's something they simply didn't contemplate and didn't really mean....it's definitely not unheard of for them to make such an error.
_________________________
I'm fixin' to fix that.
|
Return to Top
|
|
|
|
|
|