Manifest Destiny, part of the philosophy behind the taking of Indian land has been recreated at a community level through the use of corporations vs individual property owners treaties instead of governments vs tribes. The new treaties today are better known as “Bad Mortgages” that are impossible to understand and that change imperceptibly, leading to the foreclosure epidemic.
Whether the banking industry was misregulated, deregulated or new laws fundamentally misdirected; the fact that banking risk management, or the apparatus controlling the industry are consumed by greed, is not discussed when signing on the dotted line.
What cannot be disputed is the fact that we are experiencing a foreclosure crisis that is much harder on African Americans and Latinos, according to a many studies including the Center for Responsible Lending People of color, African American and Latino borrowers have borne and will continue to disproportionately bear the burden of foreclosures.
Nearly 8% of both African American and Latino borrowers have lost their homes to foreclosures, compared to 4.5 percent of white borrowers. Further, African-American and Latino borrowers are 76 percent and 71 percent more likely, respectively, than white borrowers to have lost their homes to foreclosure since housing prices started to tumble in January 2007.
From early 2007 to the end of 2009, the study estimates the completion of 2.5 million foreclosures and the origination of 6.9 million foreclosures across all races.
African-American and Latino borrowers were particularly vulnerable, as originators targeted traditionally underserved communities for subprime loans and steered borrowers of color to higher-cost loans. Indeed, court cases and information provided by former employees of subprime lenders describe the systematic targeting of African-American neighborhoods and other communities of color. Research shows African-American and Latino borrowers to be 30 percent more likely to get higherrate subprime loans than white borrowers with similar risk characteristics. This may be another reason why 575,000 African Americans and Latinos have lost their homes since 2007 and 1.2 million are currently two or more loan payments behind on their mortgage.
The apparatus surrounding our country’s banking system has become totally detached from reality. Were it not so painfully tragic for the innocent hard working home owner, the rampant and pervasive fraud on the part of the cabal could be entertaining theater, as corporate America and the banking industry devise ways to steal Native land again.
In response to the mounting foreclosures in recent years, the mortgage servicing industry often responds with illegal shortcuts, fees and incompetent management.
The situation became so bad that our nation’s attorneys general (AGs) joined forces with federal agencies to take action against “robo-signing” and other loan servicing abuses by the nation’s largest banks. The banking industry has an insulting perception of the rest of us in this society assuming that we are incapable of understanding what they have been doing.
These shenigans are not surprising if one is aware and in tune with the Doctrine of Discovery, the fundamental philosophical underpinning that drives the state and the corporations to follow the Papal Bulls of the 15th century.
This principal, established by precedent gave Christian explorers the right to claim lands they “discovered” and lay claim to those lands for their Christian monarchs. Any land that was not inhabited by Christians was available to be “discovered”, claimed, and exploited. If the “pagan” inhabitants could be converted, they might be spared. If not, they could be enslaved or killed.
The Discovery Doctrine is a concept of public international law expounded by the United States Supreme Court in a series of decisions, initially in Johnson v. M’Intosh in 1823. The doctrine was Chief Justice John Marshall’s explanation of the way in which colonial powers laid claim to newly discovered lands during the Age of Discovery.
Under it, title to newly discovered lands lay with the government whose subjects discovered new territory. The doctrine has been primarily used to support decisions invalidating or ignoring aboriginal possession of land in favor of colonial or post-colonial governments. The Trail of Tears is alive and well in your neighborhood and mine. People are being driven from their family homesteads.
John Marshall pointed to the doctrine as simple fact, looking at the possession-takings which had been supported by it as things which had occurred and had to be recognized. The supposedly inferior character of native cultures was a reason for the doctrine having been used, but whether or not that was justified was not relevant for Marshall.
This Doctrine governs United States Indian Law today and has been cited as recently as 2005 in the decision City Of Sherrill V. Oneida Indian Nation of N.Y.
During slavery and Indian removals most virulent times there were always at least 3% of the dominate culture who were against both slavery and Manifest Destiny.
More benevolent influence within the federal government have been implementing historical preservation and educational programs designed to celebrate the contribution that people of color have contributed to the American society and the land.
The Network to Freedom recognizes that all human beings embrace the right to self-determination and freedom from oppression. The historical Underground Railroad (UGRR) seeks to address the injustices of slavery and make freedom a reality in the United States. The National Park Service, through shared leadership with local, state, and federal entities, as well as interested individuals and organizations, promote programs and partnerships to commemorate and preserve sites and other resources associated with and educate the public about the historical significance of the UGRR.
National Park Service (NPS) involvement with the Underground Railroad began in response to Public Law 101-628, enacted in November 1990, which directed the agency to study alternatives for commemorating and interpreting the Underground Railroad.
While citizens deal with this dysfunctional social scenario, stakeholders in San Diego and nationwide are organizing to lock arms with the network of change agents suffering from greed fatigue, and are energized with a sustainable, fair and equitable vision of the future.
During this transformational age the people have drawn a line in the sand to loudly proclaim and announce to the power elite that they have struck a rock.
While impacted and threatened home owners deal with this dysfunctionally insane governmental illegal social scenario they are educating themselves and their allies within the legal and judicial system.
Stakeholders in San Diego and nationwide are organizing their indigenous intelligence and locking arms with the growing network of change agents who are suffering from "Greed Fatigue "'who are energized with a sustainable, fair and equitable, earth conscious vision of the future.
The people are joining together to put the corporate banking industry on notice to show the power elite that they have stuck a rock.
Network to Freedom vs Doctrine of Discovery
