I
f
Ua haʻi kekahi iā ʻoe he pūʻulu o ka poʻe haʻahaʻa, ʻo ka hapa nui o lākou
ʻApelika ʻAmelika a i ʻole Latino, ʻo ka hapa nui o lākou he wahine, ʻo ka hapa nui o lākou he ʻelemakule,
ua hoʻomāinoino ʻia e kahi mea hōʻaiʻē moraki predatory i kāʻili ʻia
ʻO ka hapa nui o ko lākou kaulike a i ʻole ko lākou mau home holoʻokoʻa, hiki paha iā ʻoe
mai kahaha. Akā inā wau e haʻi aku iā ʻoe ua loaʻa i kēia mau wahine a me nā kāne
hui ʻia a, ma hope o ʻekolu makahiki o ka hana, lawe mai i ka lāhui
ʻO ka mea hāʻawi kālā kiʻekiʻe nui loa i kona kuli, koi ʻia e kūʻai aku i waho
he hui haole, a ua loaa hou mai he hapalua piliona dala o ke aha
ua lawe ʻia mai iā lākou—kekahi o nā hale kūʻai nui loa
mau—e nīnau mai paha ʻoe iaʻu i ka ʻāina i hana ʻia ai kēia
i. He oiaio aole i hiki i ka United States o ka
ʻO Second Gilded Age, ka ʻāina o ka mana hui ʻole a me ka radical
ka hooikaika aupuni ma ka aoao o ka poe waiwai a me ka puni.
Eia naʻe,
ua ___ ia. Ua ʻike kēia mau mea i hoʻopilikia ʻia i kahi pilikia a kapa ʻia ʻo ia he "predatory
hōʻaiʻē" i ka hopena o 1990s. ʻO kā lākou huakaʻi e hoʻoponopono i ka Hale
International (ʻike pū ʻia ʻo Household Finance and as Beneficial)
i hoʻokani ʻia mai 2001 a 2003, e hoʻopau ana me kahi hoʻoholo
komo pū me ka pāpā ʻana i ka ʻōlelo ʻino i ka hui. ʻO ia ke kumu i ʻoi aku ai
ʻaʻole i lohe ka poʻe e pili ana i kēia. ʻO nā ʻohana i kaua hope
ʻAʻole ʻae ʻia ka ʻohana pio mai ka haʻaheo a i ʻole ke aʻo ʻana
ʻo nā haʻawina a lākou i aʻo ai, no ka mea, pono ia e haʻi hou
ka pōʻino i hana ʻia e Household i nā home a me nā kaiāulu. ʻO kēia mau mea
ʻohana nā lālā o ACORN, ka Hui o nā Hui Kaiāulu
no ka Hooponopono I keia manawa.
I
ʻO ia ka mea hoʻoponopono kamaʻilio a ACORN i ka manawa o ka hapa nui o ka Hale
hoʻolaha, akā haʻalele ma mua o ka pau ʻana. ʻAʻohe mea i noi mai iaʻu e haʻi ʻole
keia moolelo.
In
nā wahi liʻiliʻi liʻiliʻi ma ʻAmelika Hui Pū ʻIa, he aha ka liʻiliʻi
waiwai aia, aia ma ka home kaulike. Loaʻa ka home equity i ka 74.9 pakeneka
o ka waiwai upena no ka poe Hepanika ma na quintiles elua
(0-40 pākēneka) a me 78.7 pākēneka o ka waiwai ʻupena no nā ʻAmelika ʻAmelika
i ka lua o ka loaʻa quintile (20-40 pakeneka). Ua loaʻa nā lanakila
i ka noho ʻana o ka hale liʻiliʻi i nā makahiki i hala iho nei, ma kahi hapa
he hopena o ka hana a nā hui kaiaulu e like me ACORN a me National
ʻO ka hana a ka poʻe e koi aku i nā panakō e hana i nā hōʻaiʻē ma kēia mau kaiāulu,
akā, ʻaʻole i hoʻopaʻa ʻia ka home nona ka hale
hoahu. ʻO ka poʻe hāʻawi kālā i nā makahiki he ʻumi i hala aku nei ua manaʻo nui i ka wehe ʻana
Ua koi ʻia nā hui kaulike a me nā hui kaiaulu e nānā i ka mālama ʻana
ʻoi aku ka maikaʻi ma mua o nā hōʻaiʻē ʻole.
loa
ʻO nā hōʻaiʻē kiʻekiʻe he hōʻaiʻē hōʻaiʻē. Kūʻai pinepine ʻia lākou
me ka hoʻopaʻapaʻa a me ka hoʻopunipuni, e komo pū me ka nānā ʻana i loko
ka leka uila e loaʻa ai nā hōʻaiʻē kiʻekiʻe loa a ka mea hāʻawi
e hauʻoli wale i ke kālā hou i loko o kahi moraki hou. ʻO kēia mau mea pinepine
Hoʻolilo ʻia nā hōʻaiʻē me ka nui, i kekahi manawa hoʻololi, uku ukupanee,
outrageously kiʻekiʻe uku, a me ka uku kālā i loko o ka loans no laila
uku ka mea ʻaiʻē i ka ukupanee iā lākou a ʻaʻole haʻi pinepine ʻia e pili ana iā lākou.
Hana ʻia lākou me nā huahana hoʻopunipuni i kūkulu ʻia i loko, kahi o ka mea hōʻaiʻē
uku uku no hoi. ʻO nā uku baluna huna e hoʻoikaika i nā kālā hou
no nā uku hou i kēlā me kēia manawa. Ke ho'āʻo nei nā ʻōlelo hoʻoholo hoʻoholo
e pale i ka lawe ʻana i nā mea hōʻaiʻē i ka ʻaha hoʻokolokolo. ʻO ka hana
ʻO ka hōʻaiʻē ʻoi aku ma mua o ka waiwai o ka hale pahele i nā mea hōʻaiʻē
ʻAʻole hiki iā lākou ke hoʻolimalima hou me kahi mea hāʻawi kuleana. Hoʻohui ʻia o
ʻO nā aie hou aʻe e hoʻemi i ke kaulike, e hoʻonui ana i ka home
pilikia. Noho mālie ka ʻauhau a me ka ʻinikua mai kahi moraki e
ua hoʻokomo mua ʻia kēlā mau uku i ka pilikia i ka makahiki
hiki mai nā bila.
Kūkala
Hoʻohuli ka poʻe hāʻawi kālā i ka manaʻo maʻamau o ka hāʻawi ʻana i hope. Hana lākou i kā lākou
kālā ma ka manaʻo e hōʻaiʻē i hiki ʻole i ka poʻe hōʻaiʻē
e uku aku. Hoʻolimalima lākou i nā uku no kēlā me kēia hoʻolimalima a hiki i ka hopu ʻana
ka hale. Ua manaʻo ʻo Fannie Mae e like me ka hapalua o nā mea a pau
hiki i ka poʻe hōʻaiʻē i nā hōʻaiʻē haʻahaʻa (ke kumu kūʻai nui) ke kūpono
he moraki kumu kuai haahaa.
Kūʻai nui
ʻAʻole hāʻawi ʻia nā hōʻaiʻē i ka poʻe me ka ʻaiʻē ʻilihune. ʻO lākou
hana pinepine ʻia i ka poʻe i loaʻa nā lawelawe panakō maikaʻi ʻole ma ko lākou mau kaiāulu.
ACORN
ʻAʻole lawe nā lālā i ka hana ʻino i ko lākou mau kaiāulu e moe ana,
a ʻo ka Hale ke kumu nui o ka puka ʻana o nā lālani hale hakahaka
ma nā kaiāulu ACORN i nā makahiki 1990. Ua hoʻolaha ʻo ACORN i kahi hoʻolaha i
hoʻoponopono Household i komo i nā hoʻolālā he nui. ʻO kekahi, he ACORN
stand-by, he hana pololei. I ka manawa pinepine, nā lālā ACORN i ka nui
Ua kūʻē nā kūlanakauhale a puni ka ʻāina i ka Hale
nā keʻena e koi i ka hoʻoponopono. I ka manawa like, ke hana nei ʻo ACORN
e hoʻoholo i ke kānāwai anti-predatory lending ma nā aupuni kūloko a mokuʻāina
a me ka Ahaolelo. Ua hōʻoia nā lālā ACORN i kēlā me kēia hihia i ka poʻe i hōʻeha
ʻO ka hōʻikeʻana he mau mea i loaʻa i ka Hale a me ka hanaʻino o kēlā Hale
i hōʻike ʻia. I ka wā i hoʻokuʻu ai ʻo ACORN i nā hōʻike nui e pili ana i ka predatory
ʻO ka hāʻawi kālā ʻana, ʻo nā laʻana i hoʻokomo ʻia mai ka Hale.
ACORN
ua hana pū me ka Coalition for Responsible Wealth e holomua
he ʻōlelo hoʻoholo o ka mea kuleana e hoʻopaʻa i nā luna hoʻokele o ka Hale
uku no ka hoopau ana i ka aie predatory. I ka makahiki 2001 Hale
Ua hoʻopaʻa ʻo ia i ka hālāwai o kāna poʻe kuleana ma kahi kaona waho o Tampa,
Florida. Aia ma laila kahi lehulehu o nā lālā ACORN me nā lole manō a
nā baluna manō e kūʻē.
ka
Ua lanakila ka hoʻoholo i ka 5 pakeneka. I ka makahiki e hiki mai ana, ua koi ʻo ACORN i ka mokuʻāina
kālā penihana a me nā mea kuleana ʻē aʻe. Ua mālama ka hale i kāna hālāwai i ka makahiki 2002
he hora a me ka hapa mai ke kahua mokulele kokoke loa ma ke kuaaina o Kentucky. Nā lālā
hele kaʻa mai nā ʻāina a pau. Hiki ke kū'ē
ʻo ia ka mea nui loa a ke kūlanakauhale ʻo Lādana, Kentucky i ʻike ai
i na makahiki. Ua lanakila ka hoʻoholo i ka 30 pakeneka.
As
ʻO ka hopena, ua hoʻoweliweli nā aupuni kūloko a mokuʻāina e hoʻokuʻu
mai ka Hale. Hoʻokomo pū ʻo ACORN i nā hale kūʻai e like me Best Buy
i hoʻohana i nā kāleka hōʻaiʻē Hale. Ma ka manawa like, ACORN Housing
Ua kōkua ʻo Corporation i nā poʻe ʻohana he nui i ka hoʻihoʻi kālā
mai loko mai o kā lākou mau hōʻaiʻē ʻohana a i ʻole ke kāpae ʻana i kekahi o ka ʻaihue
nā lawelawe i kūkulu ʻia i loko o kā lākou hōʻaiʻē, e like me ka ʻinikua hōʻaiʻē. ACORN
ke kiʻi nei hoʻi i ka ʻōlelo e haʻalele i ka Hale.
ACORN
Ua kākau ʻo ia i nā moʻolelo he nui o nā hōʻaiʻē predatory House a lawe
lākou i nā loio kuhina ma ka mokuʻāina ma hope o ke koi ʻana o ka mokuʻāina i nā noiʻi.
Ua koi like ʻo ACORN i nā mea hoʻoponopono federal e hana. Ua kōkua ʻo ACORN
nā mea hōʻaiʻē i ka waiho ʻana i kekahi mau hihia hoʻopiʻi kūʻē i ka Hale
e hoʻopaʻa ʻia ana i kāna mau hana i kū ʻole i ke kānāwai
malalo o ke kanawai e ku nei. Hāʻawi lākou i nā mea loiloi Wall Street e ʻike i ke ʻano o ka Hale
ua kū i ka nalowale mai kēia mau hoʻopiʻi, a me nā hoʻoponopono like ʻole
ua hoʻolaha ʻia kēlā ʻohana i kēlā me kēia manawa i kāna hoʻāʻo e hoʻopaʻa
ke kaomi.
aka,
ʻAʻole haʻalele nā lālā ACORN. Kūʻē pinepine lākou i ka Hale
nā keʻena a mālama i nā ʻaha kūkā ma mua o nā hale e kokoke ana
lilo i ka Hale. Ua kūʻē lākou i ka mākeke lua ʻo ia
ke kau nei i ke kapikala no keia mau aie predatory a ua paa lakou i ka nui
kūʻē i ka hui kālepa i hoʻomake ma Wakinekona no ka Hale
a me kona mau hoa manō. A laila, i ke kauwela o 2002, i ka poʻe waiwai
nā wahi e pili ana i ka ʻākau o Chicago, nā mea i hoʻopilikia ʻia e ka Hale mai nā wahi a puni o ka ʻāina
ninini ʻia mai nā kaʻa e nā kaukani ma luna o nā lau o ka papa
nā lālā a me ka Luna Nui o ka Hale. Kikeke lākou i nā puka a ʻōlelo
i ka poe i hoeha mai ia lakou mai kahi mamao aku. I ka hana ana o ka makai
haʻalele lākou, kāʻili nā lālā ACORN i nā pepa "makemake" āpau
ma luna o ke kaiāulu e haʻi ana i nā hoa noho o nā lālā o ka papa
he aha nā hewa i hewa ai nā luna ʻohana.
ma
ʻO kēia mau mea a pau, ua hana mākou i ka media. Ua mālama au i kahi waihona o ka poʻe pōʻino '
nā moʻolelo a me ka ʻike pili a hoʻopili iā lākou me nā mea hoʻolaha
i nā manawa a pau e makemake ai nā mea hoʻolaha e haʻi ʻaʻole i ka hoʻomāinoino wale ʻana
moʻolelo akā ʻo ka moʻolelo hoʻi o ka hakakā ʻana. Ua hana mākou i kekahi
haneli mau ʻatikala a me nā haneli he nui o nā moʻolelo TV a me ka lekiō
e pili ana i nā hana hōʻaiʻē predatory o ka Hale. Ua hana mākou i ka
nā pepa liʻiliʻi liʻiliʻi, nā pepa ma nā hale pule, nā pepa hoʻolaha ma nā paia.
Ua hoʻonāukiuki mākou i nā ʻatikala lōʻihi ma ka
New York Times, Wakinekona
Post, Wall Street Journal, Los Angeles Times
, a
Forbes
puke
. Ua hoʻomau mākou i kahi pahu pau ʻole i ka paʻi kalepa:
ka
American Banker, Nūhou Mortgage Lahui,
etc.
A
ka lima o nā limahana ACORN me ka ʻike nui a me ka hoʻomau ʻole
Ua hoʻonohonoho ka hoʻoikaika i nā tausani o nā lālā e hoʻokele i kēia hoʻolaha a hiki i
Ua ʻae ka ʻohana e uku i ka poʻe i hōʻeha ʻia he $489 miliona ma o nā mokuʻāina he 50
nā loio kuhina, a ma hope ua ʻae ʻo ia e uku miliona hou ma o
ACORN, a me ka hoʻoponopono ʻana i kāna mau hana.
keia
ʻO ka hoʻolaha he laʻana o ka mea hiki ke hana inā lawa ka ʻokoʻa
ʻimi ʻia nā kihi i ka manawa hoʻokahi a waiho ʻia ka hui ʻaihue iā ʻoe
ma ka pale a hahau mau me ka mea i manao ole ia. ʻO kēia hoʻolaha
hoʻonui i ka nui a me ka mana o ACORN e hana i ka holomua o ka wā e hiki mai ana
hoololi. He nūhou maikaʻi kēia no nā kaiāulu haʻahaʻa, akā ʻino
Nūhou no Wells Fargo, ka mea hoʻolimalima predatory e hiki mai ana ma ACORN's
papa inoa.
ʻO David Swanson
he lālā papa o ka Progressive Democrats o ʻAmelika. ʻO nā manaʻo
i hoikeia nona wale no. Ua puka mua kēia ʻatikala ma
ka
Heluhelu Waiwai Inequality
by
Dala a me ka Manao
a hui pū no ka hoʻokele waiwai.