FHA Mortgage Insurance

1. Usefullness of Information

1.1. Stereotyping past minority experiences

1.1.1. Past minority insurance rates

1.1.2. Negative minority personal experience

2. Choice Appropriateness

2.1. Chose to assume negative results based on stereotypes of urban neighborhoods

2.2. Made a business decision without thinking about ethical factors

3. Conscious Behavior Drivers

3.1. Maximizing profit

3.2. Stereotyping Minorities

3.3. Biased opinions

4. Subsconcious Behavior Drivers

4.1. Oppressing Minorities

4.2. Affecting future economy of neighborhoods

4.3. Conditioning youth in urban neighborhoods to not receiving any governmental help