>> you. thank you. >> donna brazil, ladies and gentlemen. >> donna brazil, the great. the prophet donna brazil. >>. >> the state justice conference continues with a conversation from an economic equality, homeownership, gary mandrake and voter registration . we will hear from author julianne now though and the cochair of the 20 17th women's march on washington, melanie mallory. >>. [applause] >> the fact of the matter is that african-americans women's voices are profit. we are super voters, we are powerful beyond measure and yet they would want to continue time and time again but we continue to confront

the system, the powers that be, no matter what they say about our voices, we continue to speak up and we will continueto do so in this election cycle and beyond . so with that i want to introduce you to someone even more profit. these are visionary women who have been at the cutting edge of what it takes to move us to where we need to be in this country. and in no particular order, they will be introduced and they will come to the microphone and they give us 30 minutes of remarks before we move our panel discussion. after our panel discussion we will have time for a question and answer where we laugh on each side of the room there are microphones, oneright there and one right there . you're welcome to walk to the microphone when i signal. and to give your name, your organizationalaffiliation if you so desire and your questions . and so from there, we will then in and the event with a force hazel giving closing remarks. so starting with doctor

julianne now though. she is a known economist, the author of the numerous books. she is the president emeritus of bennett college for women where she served five years until 2012. she's also a syndicated columnist and a commentator. she's the founder and thought leader of last productions incorporated. and she's described by doctor cornell west of the most iconoclastic public intellectual in the country. her contribution to thepublic dialogue on entities such as race, culture, gender and her impacts are shapingpublic opinion in the 21st century america and she's of course also the author of her latest book , are we better off? race , obama and public policy. i'm going to ask you to hold and go through and then have doctor malvo come back and speak. she'll be followed by barbara on one was the founding president of the transformative justice

coalition, the host of the radio talk show igniting change with barbara. she's a former executive director of the lawyers committee on principal rights and she serves more than 25 years, internationally renowned for her work and passionate oration on critical justice issues, convener of the national commission for voter justice. i've also known her , these are tower tireless women and when we talk about no waste, these are tireless women who work for justice. their voices will be heard and have been heard and they are moving the country forward . lois is founder and president of the united securities financial corporation, she is licensed to operate her wholesale mortgage lending business in 48 states across the country. he is passionate about homeowners being homeownership being the key for building wealth for not just americans but for african americans. she aims to educate and empower african-americans to realize their dream of homeownership which remains typically toward the bottom

of these organizations. as he told mortgage women magazine, one of the greatest passions of helping people with financial needs related to their homes to help them purchase their homes and stay in their homes, and then of course last but not least, bringing up the head to is tamika mallory, she is currently you have seen her organizing extraordinary. she is mother to a teenage son and esteemed social justice leader and advocate who co-served and is the copresident of the women's market in 2018. she is a new york city native, been a positive advocate for civil rights issues for women, healthcare, gun violence. she is the former executive director of the national network and help create crisis management systems and official gun violence prevention systems and 27 million violence prevention organizations nationally.

she is stitching the new fabric for civil rights and i want to say that tamika has shown the nation out of practice intersection we want to appreciate your for that, tamika. with that,doctor malveaux . >>. [applause] good afternoon, everyone. i'll take this three-minute deadline. of course want to thank hazel for bringing ustogether every year at marvin park . wells fargo banker wants to shout out my fellow panelist whom i've worked with. i try to stay away from you all but i'm glad you're here. but in any case, and of course donna has she always does.

we were a second line over there. don brought it to you from a political perspective. i want to bring it to you from an economic perspective because one of the things we have to be clear about is whether participation is a necessary but not sufficient condition for economic justice. what do i mean? you must vote, but you must give those people who you vote for participate in economic distribution issues. >> have not done that. >> with all due respect i love you but some of you are the best of the confederate population and several others who are among the best, the whole truth is to be told. how are they affecting you in distribution of income and wealth in our community ? of course we can vote and we have a whole lot of potential in voting. but when our cult leaders

combined center like we buy shoes. they bind in the center. so how are we welcoming in our community, i'm not saying we want to buy center but we want to have economic influence and we don't have enough of that cause we are not speaking up . how many of you are are repulsed by the word representation. usually blacks don't like reparations. >> good. how about the bougie black people say are they going to let us have to? i like tina at a cocktail party. you think we have power. so we all need to be cognizant about reparations from the standpoint of we built this . >> me and donna have a watch your mouth problem. but in any case, we still feel as if our, we need to be made. >> you look at the wealth gap, black unemployment rate

islower than it's ever been. you know what happens , literally. it was 6.8 the following friday, went up to 7.7. next day, just about. but the unemployment rate gap was not as important as the point of population ratio gap . or percentage of our population in destroys. the unemployment rate gap as a wealth gap. we have one dollar for every $13 that white people have. we have one dollar every $13. let me tell you something else, 1890 ratio was 1 to 36. one dollar for every $36. 1910 had dropped to one third or more than 118, something like that. by 1916 it was one and 13. backup area we have not made a whole lot of progress. in terms of wealth, we made a lot of progress.

anyway you want if you can pay for it. if you can pay for it. so basically, i want to lift up the whole economic stuff, why are you looking at me? >>. >> you know, the point is that we have economic issues higher on our priority list. by going to our own businesses, we have black-owned businesses, one intent of our dollars on a black owned business. one of the things that bothered me a lot was that he wanted black businesses to support us but that we look at a lifestyle that we are ending through black omission. i will say that i listed participation significantly when i was there. we still wanted black bolts and not giving money to any faults but that has to be a mantra for us. or we invest in, john rogers and area capital? black-owned businesses, apply

for our own investment companies? we have to think about this and be mindful about it. >> we can go door-to-door and register people to vote, that's important. but we must vote, but then we must hold our people accountable. make sure they are economic warriors for us. years ago i worked at the council of economic advisement under jimmy carter and i remember there was a piece of legislation that was a social security legislation and they had a provision that some company in texas would have the exclusive right to import textiles. i didn't even know what fruit i was. but it was so kind to him. and to people in texas, you've got to have a right to import. how's somebody going to put something inside of legislation that says that black wealth 20/20 gives you an exclusive right? or that a cpus give exclusive

rights to do contracting with thegovernment? we have to have economic warriors , thank you very much. >>. [applause] >> good afternoon everyone. wow. coming behind donna and julianne and meyer, my goodness. >> is tough, but i wanted to say thank you for hazel, thank you donna for doing what black folks got to do. what is that? show up and show out all over the country. that is ourrequirements . that is why i wanted donna to

be on the panel with allthese great women . i will say there's nothing more important in this moment than the consolidation of strategy, the strategic power and energy of blacks. because we are the change that needs to happen in this country. i can't start without giving acknowledgment to our ancestors, linda brown , brown versus board of education. i have to give her her do this day. i also want to say a word of love to our newest ancestors, bob clark, shot by the sacramento police. i want to say a word of love because she booked my radio show yesterday, and that is

the word of love to corina hayes. i want to say a word of love because we are here today as black women to the memory and the honor of natosha mckenna. who explained cruelly while in custody in virginia. most of you don't know the name, that's why we say the name because we have to. i want to just talk about very briefly, know that when i came here years ago to talk about voter suppression, and now everybody's talking about voter suppression and you never know that black women started that . and that we came here to raise up this fight, one thing most people never talk about is that in 2016, for

the first time in decades, african americans vote decreased not increased. there were 2 million less lack ballots counted in 2015 and 11 percent decrease from 2012. people don't talk about it but we never talk about it. because the wave that everybody is talking about, the energy of that wave means that every black vote has to count. remember i didn't say turn out. i said count. because we know that in detroit michigan where the national commission for voters sit there and in the end of january we heard testimony about how 77,000 ballots were counted in an election described as left,

200,000 ballots. that means 7000 ballots detroit, not counted. we need to be very clear about the nature of the fight in front of us. also, we were here in last week in georgia, we heard testimony from stacy hopkins who is the main plaintiff in the hopkins case and she testified how she and 300,000 other people overnight received notices and threats that they would be added to the inactive list because they had been set these little voter notices that looked like spam, like junk mail, most of us would put it in junk mail but said if you

don't return it, you are going to be moved awayand purged off the voter rolls . and she and 310,000 other people because this black woman said i'm not taking it, she got her some lawyers, aclulawyers i believe , and she was able to get the state of georgia to restore all 380 thousand people to vote. this is the nature of our people these times. i want us to be clear that what we have to do is to secure the fight quest .. >> ..

to be voting rights, living legacies of dr. martin luther king, to go into their communities and fight for the right to vote. if you want to keep up with us, be sure to follow me on, what else, twitter. barb 73, i've said all kinds of stuff. i tried to be nice. the last thing is whenever anybody comes up to you and want to talk about politics, want to look at you crazy, want to try to imply that black folks are done with it, you tell them one thing. that this country, this entire country soul, its future is dependent upon one thing, and that is that everybody vote like a black woman. thank you.

[applause] >> no problem, no problem. >> sorry for talking. good afternoon, everybody. i feel like i'm in church. >> amen, amen. >> i came to say a few words after hearing so many good speeches, i just want to say that i don't feel always -- he brought me this far, and i don't think he brought me this far to leave me.

what an honor to stand where so many luminaries has stood. congresswoman maxine waters, dr. elsie scott, ms. bernice king, doctor barbara skinner, dr. malveaux, and many others. hazel is not only one of our foremost journalist in our country today, she's also knows a little something about how to assemble some of our greatest thought leaders from our country and community. congratulations.

hazel, on another magnificent event, my friends, i'm here today to discuss one of the most pressing issues facing african-americans, and how to close the homeownership gap, and how to build legacy wealth. today our rate of home ownership lurks near the bottom. this most recent recession put us in trouble, african-americans especially. we dropped from a pre-recession high of 49% to an unacceptable rate of 42%. we lost billions in real estate.

and today, over one half of all african-americans are renting. we are paying somebody's a mortgage note. those who do not live in our communities. if we can help put somebody in the white house, if we can get out and vote and cause the person to be over housing, the housing administration, we can do all this, and we can't put our people in homes? >> , , on. >> we as african-american women can do all things with god. why can't we put just our

people, along with anybody else, who deserves a home? why can't we put them in a home? well, i and in business of lending money for mortgages to pay off your current mortgage and get another one to get straightened out. i am lending money all over 48 states. why can't i do that for our people? well, my heart is focused on helping those who qualifies for a loan or who have been discriminated against because of their nationality, their color, their sex, and their national --

[laughing] okay, i hear you. okay. well anyway, my heart is focusing on helping all people, african-americans especially. if we can do all these things, helping get people elected, knocking on doors, why can't we do all these things? but i'm committed to getting people into homes, regardless of color, race, origin, national origin. i'm so -- sorry about that.

[inaudible] >> okay. thank you. [applause] >> good afternoon. >> what i i know is i'm not evn going to try, not even going to try to top what is been today, and i think what i've learned, hazel, and thank you so much for having me to be here today, is that when my sisters are winning, i already won. so there's no reason for me to try to outdo what is been done because i can't do it anyway. i'll embarrass myself and have you talking about myself when i leave here and that's not going to happen so i will not try to do that. but i want to say thank you again to hazel for having me to

come down and to be here with you all today, and also to everyone who was on this panel and, of course, donna brazile said some things today that i i would all down because i'm going to go and save edward tells that a a go. i'm only going to give her credit for one time. [laughing] and after that i own it. that's how a black preachers do it. [laughing] and i've been sitting here talking to, thank god i got a chance to sit next to julianne malveaux, because as they go through by own experience of being attacked by folks, it feels good to be next to somebody who don't give two hoots about what anybody has to say, and she has been counseling me and i just want to say thank you to all, particularly the black women and, of course, black men in this room have reached out and sent letters and other things in support of me. i am very, very appreciative of

that and it is definitely a balance the other side. so what are what you say is two quick things. i do take the privilege of being a millennia. actually, i i was born in 1980o while i am 37, and my son is 19, he just turned 192 days ago, he's a student at morehouse, we are millennials in the same, we're in the same generation but we are two totally different types of people. i don't even know who he is and where he came from. [laughing] but we are in the same generation. so i would like to take the privilege of speaking from that perspective today and talking about this idea that we cannot work in silos at this time. this is not a good time for us to decide that we're going to look at the young folks and say that's them, they are over there and the black women are over

here, folks, because that is not worked for us. and so we have to and our strategic thinking figure out how it's great to hear you talk about these young folks, 18-35 that are being trained on how to sort it be ambassadors as a relates to voting rights. that's the type of work that we have to do in this moment in order for us to be successful. because what i found out, especially during this last election, when you have people who i do believe were really, really well intentioned and really hurting and broken because of all that we've seen happening, the alton sterling and all the situations that voting for them was not the answer. in their hearts and minds they just didn't get it. they didn't understand it and they don't get to come into these rooms to hear donna brazile talk about them being on the ballot. they don't get that. what the sea is a system that not work for them.

they don't even know how to work it. no one has taught that to them. it's like we are a private club when we talk about what voting really means and how to go back and really make elected officials -- i see my friend antoine thompson said her from buffalo, buffalo, right? right. you know, nobody has topped these young people how to access power -- taught -- with the understand is they going to vote and then they go home and nobody does anything for them, and the system doesn't work. so if we are going to get them to participate because we do need them to participate, we have to educate them on what it means to vote and then utilize the power of your vote. and the challenge with that is that we as people who, even though yes, i millennials but i'm first your site more so in the generation before, which is

x, right -- my time to shut up already? thank you. very serious ovary. but the generation before his -- we don't even utilize it properly. we are not, we haven't modeled good behavior in terms of showing up and showing out and making sure that these elected officials speak to our needs at all times. >> so are you and people have not been raised that way and, therefore, they believed that since they have a cell phone and social media that they can get what they need in a a different way. they don't understand it. so connecting the dots is super important and modeling the behavior of utilizing your vote and then your power making sure you do not sit down but rather step up and be even more present after you vote for someone. we have to get how to connect that. some of the work we're doing around that is really making sure as you said, barbara arnwie, we are bringing asian into the room, taking them with us to vote, edged in dementia in

the places where they are to talk with these issues. the last thing i will say it's intersectionality. which is the entire reason why 5 million people showed up for the women's march on washington. it was because, even though we don't agree on every point, we found somewhere that the issues come together. so the thing i would say as i take my seat, as were organizing, we have to short the black vote, short black communities, to all of that. but if we're were not figuringa way to meet the folks were in the muslim community down the street and the latino community around the block, and whatever other communities that all data with oppression at the same time, we're not speaking to the critical issues of our community. [applause] so while we're talking about strategies being stingy with strategy and going to get it done. we need to find out who our allies and how can we bring them

together, because there is power in numbers and there's power in all of us working together. yankee very much. [applause] >> someone named so when henry, your credit card is appear at the front. it's a very nice chase sapphire blue credit card. [laughing] i'll take it to the mall right around the corner if you don't come up here at the end of the session to get. tamika, i want to start when it ended and that is on the issue of intersectionality. we know gun violence has long been issue in our community is and is lazily come to the forefront of the nation's attention because, again, because students from marjory stoneman douglas high school have actually taken it upon themselves to actually create a new national movement beyond the black lives matter movement about gun violence. what we found interesting, we're talking about this on the write-down, my friend michelle and i is facing the practicing and understanding the politics of intersectionality.

how can we leverage certainly this very new movement in terms of gun violence and a casting it as school funds but i you would in a larger committee since with this current moment, in your opinion? >> thank you for the question. this is actually a very painful time because there are a lot of grassroots organizers who are watching this thing happen and ten if you like where does this leave us? we set the tone for this sort of organizing around gun violence. but what i will say to people not to get caught up in what's happening in the media. the media will continue to do what it does. so "time" magazine and others will continue to put white faces, the face of gun violence, they will do all these things but the real organizing is happening in intersection away and that's what we need to focus on, what is going on in the

local communities. not to get met and say look at how the media is portraying the situation, , but rather to pay attention to the fact that we have been the voices and we need to rev up at this moment in terms of our grassroots organizing, get out there and utilize this as an opportunity to raise money. because people are looking for places to put their money right now around gun violence and whether it's a local church who now you may be able to get members to give a certain amount of dollars to your local grassroots organization. it is an important moment to unite with other people, as was said, as i just talked about, and to make sure that people know, hey, this grassroots organization exists over here because people are listening in ways they haven't before. we are often, when we see the media is doing what it always does, it's sort of distracts us. i really do believe that this is an important moment when we have an opportunity to be in the forefront but we have to push

forward and do we always do. nobody is going to give it to us. [applause] >> thank you. i just want to push that because the characterization of the black lives matter movement, street protest, the ed o'keefe protest was not a part of a black matter moving. these are young people who are on the forefront challenging the violence of the system, of the state and the injustice that inevitably comes down. they were portrayed as dogs if it were portrayed, the fbi characterized them as a threat. >> exactly. >> black identity extremist and they started getting knocks on the door for actually come for actually utilizing the first amendment rights. let's talk about that because people trying to grapple with the difference between the portrayal of the current leadership, if you will, of gun violence and then what happened to the black lives matter movement. speak to that for a second.

>> that's the pain. it's very challenging because even look at some like oprah who gave $500,000 to the sort of movement march for our lives and try to focus on making sure that their event was successful, said at the same time that she did not support black lives matter because there was no agenda. and again, that is the media and people listening to that because if you go to the movement for black lights website, there is an agenda. it is very clear what black lives matter wants to do. what i i would say in this rea, and is probably not the juliane malveaux thing, , it's not a popular thing to say, but we participate in that rhetoric. we participate in that. because black folks in conversation with other people, whether they are our own or outside, say things like this gets to know what they are doing.

those kids are wild picked those kids don't have an agenda. those kids don't have together when, in fact, just standing up against state sanctioned violence is a part of the movement, if that's all you're doing that's a part of the movement. [applause] and people of lost their lives. people of literally died, all these cars that are blown up, i don't know if you pay attention but in places like ferguson there have been three or four activists found dead in cars that it been set on fire. if you think that some of it just happened, that is not accurate. they are actually being killed because of the fact they're willing to speak out. i'm so happy to hear and we talked about -- everybody's not going to say yes, master, come in my house and shoot me. she cocked her gun and so when you come up here, i am going to take matters into my own hands. and we have to cancel back and say i don't think that -- people will have different strategy for how they approach this. what we need to do is figure out

what lane is that, i would go and use this over here. i'm in the political forefront. i'm going to be, the women organizing and we will not speak against one another but rather we will uplift each other so that the movement is all one thing and holistic. >> in baltimore it was the high school students were basically walking out of the high schools in aftermath of freddie gray felt led to the unrest that you all saw and the portrayal by old african-americans was less than ideal. we had to check ourselves because we had these generational dynamics that served under my ability to move forward and we need to pay attention to it. dr. malveaux, the trump republican agenda is not a benign agenda. can you tell us what f no nationalism means, and how it is being practiced on capitol hill and in the white house right now? vis-à-vis in terms of how it

pertains to our economic status and progress. [laughing] let me start with something much all to talk about it willing to talk about more. racist, sexist, predatory capitalists altogether the racist, sexist, predatory, capitalism. we've always lived in the capitalist system of predatory capitalism is when more is taken. if you look at the recession that happen in 1973 when recovery occurred, the bottom 80% got about 60% of the recovery in the top 10% got like 40%. that's not fair but is better than no. when we came out of 2012, coming at a 2012, at bottom 80% lost 15%. that's a housing loss that sister talked about assuming other things, while the top 20% gained 115%. that's predatory capitalism.

i take call us names, i don't want to get sick on air, but anyway, the orange orangutan, whatever we call him -- [laughing] with all due respects to an orangutan. [laughing] but you know, he is not the author of this predatory capitalism. he is simply accelerated. in terms of ethnonationalism, this is about the money going, bluntly, to the white folks. bluntly. not just to the white folks but white folks of a certain class. people of color in particular are being marginalized in the economy. not only in terms of social programs. if social programs are black programs we would not have them. if public assistance was only for black people, probably obama would have gotten rid of it to tell the truth, without respect to president obama. the fact is many people benefit from the social programs but more about economic participation. let's look at what's happen with

the consumer financial protection bureau, which is just about been zeroed out. this is one of the few places, with all due respect to barbara, we don't want to sue wells fargo but we do we know we don't have means to sue it all by ourselves. we need class action lawsuit. getting rid of the consumer financial protection bureau makes it less likely that people can do class action lawsuits the other thing we see going on is the attempt to repeal dodd-frank, which will treat again under picking on you, barbara, but i love you, they will treat wells fargo the same way it treats a community bank. that it treats, i called up the other day i was on the radio with new orleans, one of my favorite places i talked about fashion what's the brothers named? al mcdonald, liberty bank. a very small black bank. we had 130 black banks, now we have 19.

public policy we don't look at public policy as a whole. we look at the things we think are black, and you know, if we just look at things that are black come some the things that happening do not have race-neutral implications. they don't say race. they will not say we were repeal dodd-frank because we are mad at black people. they say with a repeal dodd-frank because we don't banks have more power. who has less power in this economic sphere? we are among those. we are not the only ones but we are among the ones who have less power. people don't like to use the word capitalism. people don't like to talk, you have to talk what all the alternatives. people don't like to use the word predatory because it seems so mean that it is mean. it's me with people and not got racist. it's mean with this administration actually want to take peoples tips, but the tips go back to the restaurant owners. i mean, that's about the music thing. more than half, that would

affect about $9 billion, more than half would be women, about five would be women and about one-third of that five with the black women. i'm not sure i fully answer to questions i think basically in terms of policy space, i'm putting it there. >> we're going to share the wealth in a few seconds with these other folks are standing up and going to come denier to ms. lois johnson and say that between the years 2005, and we'll carry on this conversation about the economics, and 2012, african-americans, native americans, asian-americans, latino americans lost half of their collective wealth. and those losses came primarily to the combined effects of the home mortgage crisis, and to the great recession. and so with that i had people now telling me, second-generation people from that saying that they are now afraid to own a home. they don't view that as a pathway to wealth. they do as a pathway to the poor

house and foreclosure. so tell us why homeownership still remains a promising strategy for wealth building in the african-american community. >> the reason most people, african-americans and other americans across the country, wasn't so much that it was because of the recession. it was because of lack of knowledge. there are so many bills that the congress has put on the rolls, where as there are bills where you can get help to cure your defaults. most people, especially african-americans were unaware of what was available to them.

they did not take advantage of what's out there on the books that they could have taken advantage of. so they lost their homes, for lack of knowledge. however, they hear a lot of news, reporters saying, , well, you can't get help and you can't get back into a home because you've lost your home and your credit is bad, and you just are lost, which is not true. >> so what is homeownership a good strategy for speedy it's a good strategy because of the fact that it's wealth. it creates wealth. just think about it. what is the largest item that you will ever own? that will depreciate into equity. wealth. most people who are out there that held on to their homes,

right now they have got wealth. property values have increased, triple increased. all they have to do is refinanced at home and take some of that money and pay off some debt or what have you, student loans. >> you have to have good credit to refinance your home, right? >> not necessarily. that's it, lack of knowledge. >> tell us. >> if you have credit problems, you should seek the lender or counselor and they will tell you how you can create good credit that you think is bad. all the credit that you think is bad is not bad. you just have to find the right lender who will carry you through the process. >> dr. malveaux, back to you. the right lender can we operate in a system where we know that lenders have been predatory. strait of the road in baltimore we know african-americans who

could fedex higher credit rating, higher income levels but were still being sold for mortgage products. it cost more at least 10% more than low income, lower credit score white folks. we're operating in a predatory system when it comes to the mortgage industry, and the solutions that she talks about with regards to these programs, can you tell us what had come of that in terms of the settlement that have gone down with regards to the, from wendy's banks have gotten sued and whether any that has come back to the community? ..

. itch a colleague in prince georges county now, somehow i told her to refinance a few years ago, when she was having a challenge. well somehow i hate to talk about my friend again, basically they convinced her to sign a balloon after, she didn't come back, malvo, i was tired of bugging you. that was the time to bug me. so now five years later she is in the same position she was five years ago. this is, person said there is chicanery going on. there have been findings, been constrained from growing. there is cap on their growth and required to change their board. as marvin said, on track to put $60 billion, marvin?

, into helping with black homeownership. you're a little behind. last year you said it was going to be 60. this year 5.4 billion, i know. supposed to be 10 billion a year, bro. five is not six. you know i love you, but mathematics is mathematics. other banks have been required to put various, various kinds of basically come mow decisions but no one has -- accommodations, but very few people have been made whole. i don't know how many people but they have not been made whole. so the issue is from a policy perspective you said we're going to fix this or you have been fined but you have people lost their homes and they're not getting them back, some in my age group, if you're a baby boomer, lost it all, 60 something, starting over is a

little bit challenging to say the least. >> that wealth stripped from them. they just didn't lose their homes t was wealth. >> it was wealth and credit score and everything else. depending where they are it has long-term implication also where their children are. >> right. >> one of the things that happened in hbcu land in 2012 artie duncan, the basketball playing secretary of education instituted, not instituted, began to enforce parent plus. that was at same time people were losing home values. >> right. >> so even though many parents would pay their baby girl's or baby boy's tuition, before anything else before they knew what their credit scores looked like or home values dropped, they looked like on paper they couldn't paid. what happened? we lost 28,000 students in hbcu land in academic year, 2012, 2013. some came back. who made the kid whole who was a

sophomore, came back to school. found their parents signature didn't work on parents plus. what happened? >> right. >> my last question before i open up to the audience for barbara. we're in a bad situation when it comes composition of the supreme court. literally the republicans senate leader basically held out for a new president in order to make sure that he got the justice of his choice. and then of course we've got the issue of the voting rights act still being in its incomplete state. we've got restricting taking place. of course the u.s. census. can you give us what attacks are now with regards to redistricting in the courts and how that might challenge our ability to fully maximize our vote in 2018 and 2020? then how we combat that.

>> well, two things. gerrymandering, right? gerrymandering is the purposeful process of drawing district lines in favor either an incumbent, favor a political party, or to favor a racial group. so there is two types of gerrymandering. that is what is called racial gerrymandering and political gerrymandering. the supreme court has cases on both issues the political gerrymander something the first time the court has really taken up, this is a case out of wisconsin where it has taken up the issue of gerrymandering for political purposes. now everybody saw what happened in pennsylvania. now pennsylvania is a state court, it is a state supreme court decision, not the u.s. it is a state court position, and

what they did in that decision is that the court decided that the republican legislature had drawn these maps purposefully to give republicans an absolute political advantage and they ordered the legislature to redraw the maps. they refused to even take it to a public hearing or any kind of public decision. instead the head of the gop in pennsylvania submitted his own map, which of course was not acceptable. the governor didn't accept it and the courts used their own expert who redrew the map, now the map is a lot more fairer than it has ever been. guess what they are going to do? they are going against it because they have decided that they are going to impeach the supreme court.

yes. and so i just want, remember, that right now scott walker in wisconsin is refusing to implement a federal court order. so we just got to be very clear that this is, this is how huge this battle is. also justice kennedy, who is going to probably be the decisive vote on this issue of political gerrymandering coming out of wisconsin, of course there is a case out of maryland, that is dealing with one district there that's, that's, quote, democrats have allegedly drawn for political gerrymandering purposes but however, these cases are decided, the decisive vote is going to be kennedy. kennedy has not hired not one clerk for the fall. it is extremely likely that he is coming off the court this

summer. we have to be very clear, when we are talking about the issues, that are prevalent this year in the 2018 midterms that the court, the senate, the senate races are important because who confirms supreme court justices? right. so we got to be very clear about what the fight, the nature of the fight is. the other thing i just want to say two quick things, please. for those of you who are interested talking about hearings we did in detroit and atlanta you can follow work on national commission of voter justice, national cj. c as in charles, very pass victory, j as in justice. national cvj.org.

we'll be having hearings all over the country and we're going into all these states and documenting what is going on with voting rights. the other thing is, if you want a primer what lois was talking about and what julianne is talking about, there is case i recommend to read, it is very simple to read. that is a case i believe was decided in 2017 possibly. it is city of miami versus bank of america. it tells you how predatory banking practices work and it's a very excellent case because the issue before the court was whether or not the city of miami could stand, had standing to challenge a action by the bank of america by their predatory lending practices in miami. do read the case. the ruling of course is that

they did but do read the case because it is very informative. the last thing i wanted to talk about, i teeth white structural racism and people really, nothing about the system makes sense. if you don't understand white structural racism. it is not individual racism. it is not institutional racism. it is not system isic racism. it is white structural racism and when you understand that the whole question you asked maya about the issue of people not caring about african-american youth who are being gunned down, or violence within black communities, if you, if you go, it is not a generational issue whatsoever. it's a white structural racism issue because in order to have slavery, in order to have jim crow, in order to have the kind of economic disparities that we have in this society where it is predicted that

african-americans will make no progress economically over the next 100 years, in order to have that the only way you can have a system like that you have to teach whites to have no empathy for blacks. that is the only way. how could you have slavery if you had empathy for blacks? you could not have had it. how could you have jim crow and be killing people if they don't get out of your way when you walk down the street? you, it is lack of empathy. it was taught, embedded within our culture, not only to be not be empa think i can, not be sympathetic, not care about our people plus to literally fear us and hate us. you know we got to be really clear about the nature of the system we live in. and because there is no way to dismantle white structural racism if we don't have the right analytical framework. thank you.

[applause] >> this is a yes or no question. is it, barbara last question, is it your birthday today? >> yes. >> on the count of three. one, two, three. happy birthday! all right. [applause] there is now a beautiful ring that somebody has lost, it will go right on my finger, i will take it home if somebody doesn't claim it, it is gorgeous. the woman, the credit card has been claimed. now we have a ring. the woman in the camel coat, name, organization, and question. >> the lady across the hall from me. >> the woman in the mustard coat, name, organization, question. >> stephanie miers with black women for positive change. i salute what has been said, white structural racism. i want to go back to the issue of violence prevention. my question to the panel, how can we mobilize organizations, groups, leaders who think somehow the issue of violence damages their brand as they put

it? for six years our organization has hosted and organized a week of non-violence. >> what organization is that? >> black women for positive change. six years ago we went to the congress. we went to the white house. we mailed letters to every governor. we went to mayors and we went to faith leaders. look, there is issue here. violence, structural racism. we could see it. but people said, advisors and i love our president obama but some of his advisors told him it will damage your brand if we get involved in this issue. we heard from organizations, business organizations, civil rights groups, leadership groups. it wasn't a priority. so how do we deal with this issue of people who just think that violence is just not connected to them? it just doesn't matter? we are going to have our seventh annual week of non-violence. we invite everyone to participate. we have to mobilize a movement. >> can we direct that to one

person? >> tamika. >> thank you for saying that. i think it speaks directly to what i was saying before. two things. one, when people ask why young people are not really engaging it is because i believe this, particularly the black lives matter generation is not really interested in the sort of apologist and politically-correct way of going about things and so, you lose them when you start trying to box them into these things that, these sort of ways of addressing issues that we have in the past. they want to talk about white sue prem system they want to use that type of language. i know that is what you have been doing. so i think that is good. what i believe will happen now is that this event that you have coming up is probably going to be the most well-attended event you have had. unfortunately because the focus has shifted. so back to my original thing. it is of course uncomfortable to

see that the movement is literally being sort of stolen but at the same time if we rev up in this moment and reach out to people again, they think it is sexy now. we have to utilize this moment as an opportunity to organize. one with our young people, allowing them to come in the room, pants sagging, all their issues, come into the room, not being politically correct, not saying it the way we want them to say it, give them the ability to be that in this moment. that is why the march for our lives was so powerful because you had young gay kids, kids with pants ripped up, all kinds of things stand there, this is who i am, i want to be safe. if we allow them to be that, clean them up, straighten them out, get them in the pox, they will come. that is one part of it. the other part utilize the moment. utilize this idea that he have one now thinks violence is sexy. everybody is going to want to be

on it. this is the time to send out your invitation letters to tell people the story of how you have been doing this for six years before. you need a few dollars. i'm telling you this is a fund raising moment. >> we have flyers right at this table. >> all right. very good. pass them out. woman in the camel coat. >> yes, hello. my name is deanna williams. i'm not affiliated with any particular organization. seems to be the undercurrent i'm hearing about all of this is directed at your youth people or our youth but it all has to do with education. yes, after we mobilized, gotten everybody registered and out to vote, and our officers are in officer, what do we do next to hold them accountable for building wealth, for education? how do i know, why my vote counts? i'm 46 years old, and i'll trying to still figure out what the electoral college is.

those are the things can discourage you from voting, from moving, becoming involved. that is very much i like if the panel or one person can answer that. >> you want to direct that to one person. >> i'm happy to answer it. >> by all means. >> we do our service when we disconnect electoral politics from public policy the real work is getting out the vote but also about the day after. how do you push the agenda in effective, efficient way. inside the beltway groups historically knocked on doors, made calls to policymakers. sometimes we've written letters to policymakers but we haven't engaged african-americans at large in those kinds of exercises in ways that can really, really mobilize issues. the most effective i think mobilization of african-americans i've seen interestingly enough, taken place through some of these morning radio shows who say you know, on this day call in to this office and shut it down on

capitol hill because we want this issue addressed. and literally everybody calls. all the switchboards are shut down. everybody saying who is this tom joyner guy. why are they interrupting the flow of our office? we have to be responsible and hold them accountable by asking to meet with them, both in the district and in washington, writing letters about the issues that we care about. there is a, there are policy agendas out there written by major institutions that have our interests at heart. making sure, i also want to say this, we do all of that. it is about making sure our voiceses are heard in the public arena, op-ed writing and public speaking is important. fund-raising is important. you want to support the people that support you legislatively. people standing up to your issues and for your issues are your champions. it may operate in an environment and in a system where money

matters. so you want to support them financially as well. those are some of the things that can be done to push an agenda strategically after an election day is over. >> let me jump in really quickly. donna mentioned the town hall when she talks. there should be town halls with elected officials but gatherers around officials that may or may not include election officials. voting is the not the most you can do. it is literally the least you can do. the issue is what happens after the vote. >> that's right. pink shirt. >> i wanted to add one of the best organizations that i've seen for doing this post-vote accountability is byt 100. >> yes. >> really look at them. they're on twitter. they're on facebook. they have got a website. byt, black youth project 100. they, in chicago they go to every city council meeting.

they show up. they have an agenda and they work at it until they get what they want. they have been very effective. and i think this, there is a lot of groups like that in different cities like that. >> that's right. >> durham committee. in atlanta there is cbc, the black clergy. there are all kinds of groups. there are good ones to study. >> baltimore. leaders of the beautiful struggle are mobilizing people to go to the state hughes to fight injustice. yes, ma'am. >> i'm joan mack nair i'm advocate for number of reform groups. one being maryland alliance for justice and reform. georgetown justice reform initiative, clarion, a number of them but what i want to say i appreciate that everything you guys have said because i don't have to really repeat it but i was down -- i go down to the jensen -- general assembly in

maryland. i don't see many of us at all. >> that's right. >> in order to bring change, we have to show up, show out as you all stated in numbers. >> that's right. >> i was there from 9:00 a.m. yesterday until 9:00 p.m. last night particularly for a bill whereby they are trying to increase the sentencing for, doubling actually, for first and second-time offenses. that could be misdemeanors, et cetera. the senate in the maryland assembly had this passed. it was unbeknownst to so many people because they didn't have public hearings. so it was primary in the house yesterday. so it was a number of groups there basically in opposition of this particular bill. >> right. >> they had of course numbers of people that were supporting it. so in getting in touch with a number of networks that that i

know of, still not being really able to get people to galvanize and come down there and show up. so there were, so that's really, really my concern. those bills that are on the books, they are affecting us in large numbers. >> right. >> with of course we know what the racial disparities that we have, economic disparities that we have among our people, we need to really get down there, we need to talk, as you all stated, talk to lawmakers and text them, go see them. i have gone to see them, the state legislator. steny hoyer, a number of delegates i have sat face-to-face with but that's what we need to do. >> that needs to happen on massive scale. thank you so much. >> you're welcome. >> so the people who are standing now are the only people left who will ask the question. i would like for you to ask your question specifically to one person. we'll take three of your questions. and then have your people answer

them. then take the last question and then be, head towards our closing. yes, sir. >> yes. my name is asa gordon. secretary-general united states colored troops, african-american civil war to establish chapters of those whose ancestors served in the civil war. >> yes. >> i was during the centennial commemoration of sig tar war. ustc, voting rights legacy. that is going to be part of a new exhibit at african-american civil war memorial. >> thank you. >> google, asa gordon and electoral college. one thing you come up on gordon versus the national archives, was filed over 2018, last presidential election. it is the first suit to try to enforce a provision of the constitution that was used to

enfranchise those of african descent right after the civil war by punishing states about reducing their representation in congress in proportion to the disfran chewed population. i want you to understand, that suit named 11 states award electors on winner-take-all basis that do not have in their election code a winner-take-all statute. in the absence of a winner-take-all statutes you must award your electors in the fairest allocation, that is proportion based on the popular split. if that was done, hillary clinton would be president of the united states. i want you to understand that because we ignored this provision of the constitution -- now we ignored the first section of the 14th amendment for 100 years. >> right. >> so i don't want us to wait another century why we ignore second section of the 14th amendment.

the second section of the 14th amendment is why we have 14th and 15th amendment to the constitution. it allowed blacks to vote three years before there was 15th amendment. laggest participation of blacks voting in the presidential election was in the for obama but for ulysses s. grant. he lost the white vote first time. because slaveds were allowed to vote first time under military reconstruction acts. that is why we have the 14th, 15th amendment at. this is this centennial celebration of what we have the 14th and 15th amendment. telling you trump is beneficiary is white supremacist is structural racism of the founding father. >> that's right. >> it was so successful as affirmative action article to different disproportion representation to small white

minorities of south to have disproportionate impact in election of chief executive. give you an example when thomas jefferson -- i'm wrapping up. thomas jefferson owned 100 slaves, when he asked a vote for himself he actually cost 60 votes. the way this works today, winner-take-all. the electoral college is constitutional but winner-take-all, that method for allocating presidential elections is not in the constitution. and i say that the second section demands in pennsylvania, wisconsin, in ohio, there are 11 states that are, georgia, south carolina, and florida, and, georgia, south carolina, i'm sorry, north carolina, states award on winner tick all basis, not in the state statute. you insist proportional basis

you win the election, trump is president by virtue of illegal constitution of the electoral college and violation of second section of 14th amendment. >> thank you, sir. into the blue shirt. >> yes. i am not with an organization. i'm entrepreneur here in d.c. i run a business development company. my question -- >> what is the name of it. >> davis solutions group. >> very good. >> yep. so we talked a lot about voting. i know that is the kind of keynote for today. i understand that we have to go there and vote and that is how we can you know, have our, you know word be known and everything like that, my question is how else can black people get together to get on the offensive other than just voting? because, you know, give you quick example you know, there is no, globalization which is happening right now is not sustain able without innovation. we know globalization is happening. there is huge opportunity in

innovation. so there is a huge push for there is huge opportunity for african-americans to start businesses, be entrepreneurs, to shift the capital. you follow the money trail type of thing. we need more black ceos. we need that as well as getting out to vote and everything like that. that is a clear way we can get together and support, you know, up-and-coming entrepeneurs and things like that with these kind of networks and that is a way to get on the offensive with our brains and with our smarts and with things other than just our vote. there is huge opportunity globally for innovation. there are some smart black kids, so many smart african-american women and minority women and people who have ideas. just things i think there is huge opportunity. so i guess my question is, what other ways, can we get on the offensive to do something to

make a change, to make an impact in our communities? >> i'm assuming that is for dr. malvo. >> i would love to hear. >> antwan thompson, director of association real estate brokers, oldest black real estate association in the country. we have couple questions. i'm encouraging everyone on wednesday, 50th anniversary of assassination of dr. king. encouraging everyone to have prayer vigils in their respective communities to honor that man that gave so much. we can not let it just be a clip on the news. we need to be out doing prayer vigils. i have two questions for the panel. our association is fighting very hard to increase sustainable and affordable homeownership in the black community. we're trying to increase it by two million people. there is a gap of 30%, 42% for

blacks, 71% for whites. this friday fhsa is taking input how we can make credit reform changes so the african-americans get into that tight credit box, want to see the panel talk about that. and if the panel can also talk about the wealth gap and how that relates to homeownership. we know some people got bad products, we know that. we know education is an issue. we also know that wealth, homeownership is number one way that we build wealth in america. if you all can talk about that, and fair housing act, two weeks from today is the 60th anniversary of that. if you all could shed light on those couple things, thank you. >> last question. we'll have the panelists address each one. yes, ma'am. >> hello. my name is dr. hattie washington, i just retired from kopin state university from 20

years, first female vice president of kopin state and raised $8 million for scholarship. we closed our foster boys home after 20 years, raising foster boys, over 20 years, 100 foster boys, we didn't have the money according to state of maryland to put into group homes because too expensive but we can take the money to pay for them to go to jail. my concern, how do we as a group, as a culture look at our young men when they are born, wrap our arms around them, and let them know there is hope? many of the young men in my boy's home were in special education, four or five grade levels below, on medications and they graduated with a 4.0 from coppin state university. that is where i was.

if we can do that for 100 young men, think what we could do for others in terms of the impetus for that, all of us got a story. and my story is in my book. we talked about the death of miss brown, brown versus board of education. >> yes, linda brown. >> when i was in fifth grade, my schools closed in west virginia, recess stance to brown versus education. i became a foster kid because my family had to send me away because my schools were closed five years. the devastation of that. i understand foster kids come don't have any place to go, being sent to a new home i can sense that one of the reason coppin state, could have gone to harvard or something, kids come to coppin state first generation, i was first generation stepping on norfolk

state looking for home room, i didn't know you had to pay. they had to took me by the hand. how do we as a group capture our young people early on especially our boys. they have a lot of talent. they may be bad boys -- >> what is title of your book? >> how to teach and how to rear bad boys. that stands for bright, assertive, determined and daring because they're albright you have to know how to reach them. for 20 years i taught at coppin state teaching teachers how to do that. >> what is title of your book? >> yes? >> what is the title of your book. >> driven to succeed. lessons learned through faith, family and favor. takes all three of those. >> thank you so much. >> i would like to know what we can do to reach our young people. >> got it. got it. >> first one i don't know if you

want to address the 14th amendment. it was black men, not blacks generally. if you want to say something about that the second question was more to you in terms of what we can do besides voting. i got the impression he wanted you to speak to entrepreneurship. connect that question to wealth building. we only use homeownership as. the next question got back to the home mortgages products. 50th anniversary of the, of the fair housing act is coming up. we know fair housing has not been achieved in this country. what do we need to be doing beside meeting with mel watt next friday, tell him hi. my old boss. final question, what can we do to address particularly issues facing african-american males in this country. you can take it in that order? >> on the 14th amendment, and the electoral college i really do agree with many people

that the electoral college is antiquated, out of date, unnecessary and, it was put there of course to equalize, as the 3/5 clause was to equalize all these concerns about slaves and some states having too much population based on the amount of slaves, et cetera. and it was meant to be another one of those equalization clauses for the states in their own interchange and exchange of power. so i do have a concern there. i think the reality is is that to get rid of the electoral college you have to get rid of it by a constitutional amendment and right now with this congress, uh-uh. it is just not, probably feasible but it is not a bad long-term goal. i think it is something that,

based upon when there is a, right congress, which we hope to have soon, that people should be really looking at that. and i was glad that you did the history because most people don't realize that by the time the 15th amendment was passed the ma "of african-american men -- majority of african-american men were voting, four million that quote, came out of slavery but also i do want to say one clarification the -- there would never be, dr. mary francis berry has done one beautiful writing of, regarding the origins of the 13th, 14th, and 15th amendment and one thing she says is most powerful that most people don't know there wouldn't be any of those amendments, everybody saw lincoln, right? you saw the spielberg movie but

that is not how the 13th amendment ultimately, that was the emancipation proclamation, and other directives but there would negative have been a 13th amendment and 14th and 15th amendment except for one thing. after the civil war the majority of the union army became black. because remember there were 163,000 black troops who fought for the union. and at the end of the war whites could go home. blacks had no home. so they stayed, they stayed as members of the union army. it was the black troops that demanded the 13th amendment. the 14th amendment, the 15th amendment. when congress was responding to

the urge to create these amendments they did that in response to the demands of those troops and that's why when you look at the whole compromise and everything else and you know, the dismantling of union army that you have to really understand what that did to black power and dismantlement of black power and get the end of reconstruction. anyway i wanted to just do that. the other thing i just want to say on the issue of young black men, i have a beautiful son. i love him. he is absolutely amazing. god has blessed me with some blessings. i also want to -- i'm not somebody who believes that people, black men and girls are black boys and girls raised in the same households. black girls have to be given some attention also. i think we tend to fight for our

rights. you know, black women are doing well. you know, and some aspects we're doing horrible in others. and what we don't understand is that so much of the problems of what doesn't make any sense in this country is the most educated cohort in the country, bar none, racially ethnically, it is black women. but our wealth does not reflect that. >> no, it doesn't. >> that is one of the real things, i will let julianne speak to that, but that is one of our real issues because of duality of racism and sexism and all kinds of other problems we, that is where we are losing our wealth. that's where we're losing our opportunities to succeed. last thing, please, if you do nothing else in honor of dr. king clearly read, always read the letter from the birmingham jail but watch his

san francisco speech on economic empowerment. it's the most underplayed, underread, understudied speech of dr. king but he lays out his economic vision and it's worth reading because it is very powerful about what he thinks could really reverse the tide of economic inequality for african-americans. and a lot of what he talks about in that speech is still very relevant about the barbara and others are reraising it with the poor peoples campaign but he goes farther than what's being put on the table right now. >> thank thank you. thank you so much. dr. malveaux, your final comments with the role of entrepreneurship. i like you to speak of black women as well. >> speak to the sister that came to the mic, echo a little bit what barbara said. when you talk about the foster boys.

we must talk about foster girls. there is sex trafficking in our community. black girls as young as 11 or 12 years old being sold when they're sent into foster care, being treated horribly. we have, you know, having led a women's college for five years, and look at, the amount of damage that our youngsters have experiencing because of what happens. we can't make it either/or. we have to make it both when we talk about our young people and we must look what is happening with young girls. some of the things are quite, they will take your breath away. i could tell stories i won't tell off this microphone would be quite harrowing in terms of how some of our girls are being treated. because patriarchy, you say racist, sexist, patriarchal,

patriarchy is woven in the way we operate as much as structural racism is there, structural patriarchy is there, we all put men before we put ourselves. we all will lift up a man before we lift up our -- >> well -- >> so we have to really just be aware of that and unpack some of this. i don't want men not to be men but men to be feminist men, that women have rights also, should be equal. to the entrepreneurship piece, the brother talked about globalization and innovation. i think those things are really important where we're moving, we're looking at the economy changing in really fascinating way with cross-national mergers occurring which make it more difficult even when we do capture the house or the senate, more difficult for us to regulate commercial transactions when we have cross-national

mergers. the globalization piece, fewer than one in 10 african-americans has been to the african continent. some of us have not been out of this country or if we go we go to the caribbean which is fine. that would be some of donna's punch. but basically we don't speak languages. so we're not prepared to compete. when we talk about innovation we're really talking about thinking outside the box. i love the folks who are teaching people coding, things like that. how come we don't have more young african-americans doing apps? these people are making tens of hundreds of thousands of dollars if not millions with apps? we have to look at that in terms of innovation. we talk about moving down to entrepreneurship, we have to look at difference between sew

proprietor corporations and larger corporations. we want to all start a business. we're sitting on top of our assets, a-s -- barbara with all due respect, my assets sit on my assets. i where my clothes that's all that i have. we all talk about getting together, getting together or merging across black business, we talk about something far more powerful. most sole proprietorships have one employee, the owner. so how are we moving to have larger -- because black companies will hire us more, risk more. you know the brother about globalization and innovation, that is when we have to look at banking from the perspective who gets the bank loans? who gets venture capital funds? who is willing to take a risk on a black entrepeneur.

when we screwed up for the race. when white person screwed up, they didn't screw up for the race, they just screwed up. the wealth piece, i like to see your education he had kayed more than any other group, i think actually it is white men have more education et cetera. we have more education than african-american men certainly and other people of color, but white folks have more ba, ma degrees. >> we're looking at higher he had graduation degrees beyond ba, yes. >> we still -- [inaudible] >> ba, ma, phd, white men are still the law, mba, professionals degrees dental medical. with medical it is really scary. we have made enormous education

advances that do not equate to wealth. black woman made $1,000 a week, compared to white man, $1666, differential, accounts for all kinds of stuff. black men and white women, $1600. the in any case our education does not translate into income or wealth largely because in terms of income which go into the wrong fields. economists would say if you're going into teaching as an example as opposed to engineering there will be a gap. we're likely going in softer fields. we need to have more of a focus on stem but in terms of the wealth, black women single head of household, median wealth of five dollars. compared to say, white woman would be about 20 grand. five dollars. that is like, a coca-cola at the wrong place. so how did this happen? part of it happened because we

put everybody else in front of ourselves. our savings lag often because we're, our kin-keeping is strong. we as black women, you will take out a loan to get your child into school. you use retirement to get your child to get out of school. you're 67, and your child disappeared, you're wondering what's up? i'm not dissing your child but just saying. there is a connection. we have not figured out legislatively we could make it easier for people to amass wealth. we haven't done a lot of that. >> lois, your final comment. you wan to pull that mic over to your face? >> i'm going to start basically from the wealth. >> we're wrapping up. if you can highlight your main points, that would be great. we've got one last comment from michael grant after that. >> okay. i will try my best to finish

this time in a short period of time. i come here to let you know what we can do. and i know there are a lot of things that have been done but i want to share my story with you, if possible, okay? i come here to let you know that i am a ginnie mae, fannie mae, issuer of the government. i performed the duties of mortgage banking, my friend oaf here works for wells fargo. wells fargo has a wealth of legacy, okay? wells fargo get in trouble, and i hope i don't hurt your feelings, if i step on you too much you can come work for me. >> oh. >> [laughter]. >> let me back up a little bit.

mrs. malveaux indicated did be. >> dr. mavveaux. i assiduously avoided marriage for 65 years. >> dr. malveaux, i'm new at this. i hear you talking about difficult professions, you go in, i don't mean to toot my horn but i'm in a world of males profession. i'm a mortgage lender. again any may, fannie mae, issuers at the top of the line. ladies there are very few women in mortgage banking and certainly my income exceeds any of those that you named. i suggest that black women get

involved in mortgage banking. i have the ability to do all the things wells fargo does. okay? i have the ability to do loans for people who are qualified and if they are not qualified then i can help them get qualified. i can clear them up, when i use the term, lack of knowledge. that is not just for some, that is for all. every time we get turned down for a loan it's not always credit. but i want to back up and say, even though we encounter these things we've still go back to mr. wells fargo. mr. wells fargo will satisfy us because we go to them and they want the best of the best.

they turn down half of the minority loans that we go give them automatically. half of the business that they get, half of it is turned down. they only want the cream of the crop, and sometimes the cream of the crop is not us. so what i say lack of knowledge because the cream of the crop might know how to get approved and we might be not in that number. so they know what to do. but i'm here to share with you that there is a ender out there, united security financial, who can help you. i can do all the things that wells fargo does. wells fargo indicated that they are giving $60 billion i believe.

i hate to pick on you, but i don't see you as here. they say they are going to designate $60 million to minority communities. well, i can do the same thing, don't say that i don't have it, same source to get a commitment and then, if you give me the business, then i can give you the loan if you're not qualified, for those fico scores. i can tell you how so get your fico score so that you can get get qualified. so we as african-americans, what we need to do, we should support those for than i know of is united security financial. i don't know of another african-american company plaque

owned -- black owned by and owned by a woman. we can give you what you want. what you need. we can help you do that. we have to find out what is there for you. we say our government doesn't do this, doesn't do that the rules are on the books. we're not get information out to our communities. not only those we talk about affordable housing. well, it is for everybody. not only affordable housing, but a you might be able to get it going to the right lender. the man saying about the veterans. there are veterans benefits on the books. if you are a veteran you can go

and get a loan. there are special privileges how we can get you into a home. then, there is also rules on the books for ministers. we all know that ministers, well i don't know if we all know it, but i know that ministers have a hard time getting a loan. because they don't have to report all of their gifts that they receive. so consequently they don't get what they want. and the other problem, i don't believe mr. wells fargo is teaching them how to get those loans. >> right. >> it could be you. there are things that you can count. >> so that is united security financial corporation. >> united security -- >> your website? >> and the big thing about it is, we have our own underwriters. we make the decisions.

>> okay. very good. >> and the government has given us authority to do that. now why do you think there is so few african-americans, ginnie mae, fannie mae issues out there? let me tell you. because they transferred the authority to us he to make the final decision. >> all right. >> there is help out there if you come to us. we'll give you what you tee serve. >> thank you. thank you so much. michael grant. and then we're going to close out. >> okay, thank you very much, madam chair. thank you, hazel for doing this. y'all, i want to take three minutes please to pull all of this together because what you have done today was create a very good discussion but friends, the reason that i left the national bankers association to go to work for lois johnson everything she told you is true.

she worked on me for two years. but i finally went with her because i found out that she was telling the truth. at one point she had $3 billion in mortgages under her portfolio. this woman went into the business that she is doing because all of those years that she was working in mortgage originations she found out too many of us were not getting loans who should have been getting loans. so she said i'm going to put myself in a position where i can be the underwriter. there is nobody else can teller had that you can't do in loan. she is the boss. she is the ceo. it's a mortgage bank. she is in 48 states across the country. she has over 30 some employees. and she is quite serious. so i wanted to come to the mic, madam chair, around say, that while we got to get the political thing together it is incredibly important if we don't

get the economic thing together, we're wasting time. thank you very much. >> i just want to add they're not disconnected. the rules of the road which is policy realm is set by politics. none of this today was disconnected. we're talking about when tamika was talking about organizing, that is amazing our power so that we can actually make an impact on public policy and make an impact on the ballot box. when dr. julianne malveaux, talking about the importance of consumer financial protection bureau and laws being passed in congress, that is connected with who we elect for office. when barbara arnwine talking about redistricting and voting rights act and protected at ballot, all that is is the purpose of shaping and policy agenda that build our wealth and policy entrepreneurialwise and while lois johnson being

nation's first and only black woman owned united security financial corporation, she is showing how through entrepreneurship and by underwriting these mortgages that are especially important for underserved communities how we through practice make certain all these things are connected as well. with that i want to thank you for allowing me the privilege to serve as moderator today. i would love to turn it over to hazel trice ednye for the closeout. >> thank you so much. how amazing this has been. and how empowering, exciting this has been. another year of being no ways tired and another year of doing what dr. king said to do. and that is the greatest honor that we can give to him the 50th commemoration of his assassination. and that is to do exactly what he laid out for us to do and

donna brazile said it best at the beginning of this program. she said, left's not just commemorate the dr. king who had the dream. but the dr. king that pushed us, that challenged us, the dr. king that told us to go ahead and stir up some good trouble. and so let us leave with that thought. thank you to these ladies, these powerful states women. donna brazile, dr. maya cummings, let's give her a hand. incredible moderator. knowledgeable, empowering impactful. dr. julianne malveaux, dr. barbara arnwine. tamika mallory had to leave and catch a train. dr. lois johnson, who is also a sponsor i neglected to say earlier. all of her information, her contact information is right here on your calendar.

you can call her or you can call her and email her personally. her personal email right there. dorothy lavelle was not able to make it today because her entire office is sick. i was getting ready to say doctor, yvonne rivers in the back, pd marketing. she does every year to make sure i say something about my own company which sponsors this event and if you turn to one of the pages in your calendar in the back you will see everything that we do. just a few things actually we do. if you ever need something done call me i will make a way to do it, when it comes to black news, getting out the word to the black community. yes, jim winston is here. we called nabob earlier. he was not here at that time. thank you for your sponsorship as well. thank everyone for coming. don't forget what dr. king said, go home and stir up some good trouble.

thank you. [applause] >> tonight on c-span2 book tv in prime time on business an economics starting 8:00 p.m. eastern with the vice president of innovation at the rand corporation. on efforts by florida farmworkers to inprove their working conditions in her book, i am not a tractor. then university ofst law professor, orly lob-l the arguments over creativity and intellectual property, in, you don't own me. david. nrich reports on financial scam that of bankers and brokers that impacted a million people on the spider network. joshua freeman how factory

production affected social and political norms on his book, behemoth. it wraps up with william rempel of business tycoon and movie mogul, kirk kerkorian, the gambler. all this in prime time on c-span2. >> c-span where history unfolds daily. in 1979, c-span was created as a public service bybl america's table television companies. and today, we continue to bring yound unfiltered coverage of congress, the white house, the supreme court, and public policy events in washington, d.c. and around the country. c-span is brought to you by your cable and satellite provider. >> wednesday is the 50th anniversary of the assassination

of martin luther king, jr. we're live in memphis at the civil rights museum plaza in front of the lorraine motel. it will include wreath-laying and remarks by civil rights leaders. that is tomorrow at 4:00 p.m. eastern on c-span. >> the commission on security and cooperation in europe, known as the helsinki commission hosted a briefing on capitol hill about drug traffickers, using the internet to smuggle opioids and counterfeit pharmaceuticals. this is an hour 1/2. >> we are getting started on time today. while that isn't exactly congressional tradition we'll make it happen for this briefing. so hello, welcome he have one to this briefing of the u.s. helsinki commission. we monitor compliance of international rules an