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This quiz consists of 5 multiple choice and 5 short answer questions through Chapter 7: IRS Support and Compliant Regulators.

Multiple Choice Questions

1. What does Rothstein say was the evidence the FHA used to back up the claim that African Americans in a white neighborhood would decrease property value and therefore increase losses?
(a) Generalizations about the purity of races.
(b) There was no hard evidence.
(c) Anecdotes from homeowners in Kentucky.
(d) Years of property value data.

2. What should the Federal Reserve, the Federal Deposit Insurance Company (FDIC), the Office of Thrift Supervision and the Comptroller of the Currency should have done but did not do?
(a) Withdrawn federal support for discriminatory organizations.
(b) Sued towns that raised requirements for integrated developments.
(c) Forced local governments to accept integrated developments.
(d) Forced the police to suppress move-in riots when black families moved into integrated neighborhoods.

3. What does Rothstein say was the main driver of de jure segregation?
(a) Public housing.
(b) Lynching and other forms of terrorism.
(c) Wage suppression and wage theft.
(d) Mass incarceration.

4. What is reverse redlining?
(a) Making black families live near industrial areas.
(b) Keeping black families out of certain neighborhoods.
(c) Demolishing black neighborhoods for highways.
(d) Making exploitative loans to black families.

5. What was the effect of the Hamburg massacre?
(a) Blacks were kept out of government.
(b) Blacks gained representation in government.
(c) Northern whites renewed oversight of the south.
(d) The KKK was forced to withdraw from public.

Short Answer Questions

1. What does Rothstein call the practice of fanning racist fears to drive whites out of their homes to buy the homes cheap and sell them to black families at high prices?

2. Where did developers try to get around Buchanan by claiming it only applied to Kentucky?

3. What euphemism does Rothstein say appraisers used to describe integrated neighborhoods?

4. What kind of zoning were African Americans most likely to live in?

5. What percentage of the mortgages in the U.S. does Rothstein say were the FHA and the Veterans Administration insuring by 1950?

(see the answer key)

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