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Many media and scholarly reports have focused on the subprime mortgage crisis and the resultant global financial meltdown. Most of the literature notes unequivocally that discrimination in the mortgage market has been, and remains, race-based and that it has damaged the African-American population disproportionately. This paper discusses the consequences of the subprime mortgage calamity and its negative impact on the Black community, women in general, and African-American women in particular. After controlling for individual, credit and housing characteristics, research shows that disparities in lending have persisted. Studies indicate that 63% of those given subprime mortgages qualified for prime mortgages. African-American females received the most high-cost loans and were over twice as likely to be given a subprime mortgage compared to White females. Moreover, African-American women were five times more likely to have received a subprime loan than similarly situated White males. Upper-income Black women were more often targeted for high-cost loans than lower-income women of color. As a result, the subprime mortgage crisis has precipitated an enormous loss of home equity and wealth among African-Americans that will affect generations to come.

There is a long history of unfair housing and lending practices in the United States and generally, African Americans have been disproportionately negatively impacted by these activities. In order to understand the current economic crisis and its impacts on African Americans, one must first explore the historical spectrum of discriminatory actions leveled against blacks in housing and mortgage lending. This paper discusses the recent subprime mortgage crisis and identifies the ways that African Americans were impacted. It provides an historical review of mortgage lending and housing discrimination and the role that public policy played in these practices. It then chronicles the subprime mortgage crisis and connects the consequences of lending policy run amok by targeting minority communities.

Background: Inpatient care is dependent upon the effective transfer of clinical information across multiple professions. However, documented patient clinical information generated by different professions is not always successfully transferred between them. One obstacle to successful information transfer may be the reader's perception of the information, which is framed in a particular professional context, rather than the information per se. Objective: The aim of this research was to investigate how different health professionals perceive allied health documentation and to investigate how clinicians of all experience levels across medicine, nursing and allied health perceive and use allied health notes to inform their decision-making and treatment of patients. Method: The study used a qualitative approach. A total of 53 speech pathologists, nurses, doctors, occupational therapists, dieticians and social workers (8 males; 43 females) from an Australian regional tertiary hospital participated in eleven single discipline focus groups, conducted over 4 months in 2012. Discussions were recorded and transcribed verbatim and coded into themes by content analysis. Findings: Six themes contributing to the efficacy of clinical information transference emerged from the data: day-to-day care, patient function, discharge and discharge planning, impact of busy workloads, format and structure of allied health documentation and a holistic approach to patient care. Discussion: Other professions read and used allied health notes albeit with differences in focus and need. Readers searched for specific pieces of information to answer their own questions and professional needs, in a process akin to purposive sampling. Staff used allied health notes to explore specific aspects of patient function but did not obtain a holistic picture. Conclusion: Improving both the relationship between the various health professions and interpretation of other professions' documented clinical information may reduce the frequency of communication errors, thereby improving patient care.