Disparate impact legislation are laws that are meant to keep people from doing racist shyt and covering it up by using some other rationale. Disparate impact regulations say that if a policy has a negative impact on Black people, the feds can force the bank/insurer/city to change the policy even if they can't prove the negative impact was intentional.you can’t just copy and paste with no substance. Explain the bolded one for example. HOW does it negatively affect “minorities”?
But insurance companies are still trying to find ways around it that screw over Black and Brown people. And the state is noticing the disparate impact and fighting them.
California to Investigate Racial Discrimination in Auto Insurance Premiums — ProPublica
California tries to curb discrimination in auto insurance pricing
So what Trump has done is remove all disparate impact regulations at the federal level. Meaning that if a bank, or an insurance company, or a local government passes a policy or law that fukks over Black people, you have to PROVE that they intended to fukk over Black people and not just that the law had a discriminatory effect. Unless you get a hold of their private records that's almost impossible to prove.
TLDR: Disparate impact regulations say that you can't have policies that hurt minorities more than White people. Trump has eliminated disparate impact regulations, so banks, insurance companies, and local governments are free to pass laws that have a bigger negative impact on Black folk and the feds won't call them to task.
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