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According to the Pew Research Center, throughout the boom, bust and recovery phases of the housing cycle, blacks have been denied home loans at higher rates than most other racial groups (the exception being Native Americans, and even then only in the last few years). The Urban Institute study predicts that inequality will get worse with inaction: It continues, The period since the housing crisis began has been a tragic chapter in the history of the black communitys access to the wealth building, security, and the sense of belonging offered by homeownership. The study concludes, We must take action to avoid further decline

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