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Black Wall Street mentality.....New Leaders.. New Voice...New Protest

Updated: Sep 16


Submitted by Marvin Earle

There are only 3 real meaningful civil rights issues of concern when it comes to the future of America impacting communities of Color. They are; (1.) Economics  (2.) Equality  (3.) Equal Justice under the Law.


(1.) When it comes to Economics, the issue is clear and the facts are clear. Redlining must stop because it is illegal.  ALL ELECTED OFFICIALS THAT DO NOT ADMIT THIS DOES NOT EXIST ARE THE PROBLEM. THEY ARE ENABLERS. 

In the United States, REDLINING is the systematic denial of various services by federal government agencies, local governments as well as the private sector either directly or through the selective raising of prices. Neighborhoods with a high proportion of minority residents, like southern Dallas county are more likely to be redlined than other neighborhoods with similar household incomes, housing age and type, and other determinants of risk, but different racial composition. While the best known examples of redlining have involved denial of financial services such as banking or insurance, other services such as health care or even supermarkets have been denied to residents. In the case of retail businesses like supermarkets, purposely locating stores impractically far away from targeted residents results in a redlining effect. Drive through your community and count the number of Banks in your community. 

The Community Reinvestment Act (CRA) is a federal law enacted in 1977 to encourage depository institutions to meet the credit needs of low- and moderate-income neighborhoods. The CRA requires federal regulators to assess how well each bank fulfills its obligations to these communities.

This score is used to evaluate applications for future approval of bank mergers, charters, acquisitions, branch openings, and deposit facilities.  Protest and Peaceful demonstrations against violators of this Act must occur just as  protest against the POLICE has occurred. Community Reinvestment Act (CRA) City governments, State Governments, School Districts all have bank accounts with large banks in Dallas. When have you seen Elected Officials of Color examine before their council, Commissioners Courts, State of redlining activity?  Where is EBJ on this subject? 

The CRA was passed to reverse the urban blight that had become evident in many American cities by the 1970s. In particular, one goal was to reverse the effects of redlining, a decades-long practice by which the federal government and banks had actively discouraged and avoided making loans to lower-income and minority neighborhoods. The objective of the act was to strengthen existing laws that required banks to sufficiently address banking.

 NO ACCESS TO CASH, NO LOANS FOR MINORITY BUSINESS FOR DEVELOPMENT IN THE COMMUNITY OF COLOR they serve. COMMUNITIES OF COLOR FOR DECADES HAVE NOT RECEIVED THIS BENEFIT OR ACCESS. 

Three federal regulators—the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation (FDIC), and the Board of Governors of the Federal Reserve System—share an oversight role with respect to the CRA. However, the last is chiefly responsible for assessing whether state member banks are fulfilling their obligations under the law. 

THESE FEDERAL REGULATORS ARE LOCATED IN DALLAS AND IN EVERY CITY OF AMERICA. PEOPLE OF COLOR NEED TO EXPOSE AND DEMONSTRATE, AS THE POLICE DEPARTMENTS RECEIVE... THE SAME OUTCRY AND PROTEST.   WHY NOT? 

City Governments, school districts, State Governments, County Governments all need to increase contracting opportunities for businesses of color. The access, participation and benefit to such by people of color has gone down each year for the last 30 years.   BONDING IS NOT THE ISSUE. RACISM IS. OUTRAGEOUS BONDING RESTRICTIONS NEED TO BE LOWERED. 


(2.) Equality. End the digital Divide. NOW!!!!   AT& T NEEDS TO BE EXPOSED.

People of Color and Communities of Color are OPPRESSED Ctizens without access to the internet and other information and communication technologies will be disadvantaged, as they are unable or less able to shop online, search for information online, or learn skills needed for technical jobs

OUR NATION and Communities need programs, from DELL, AT&T, Verizon, HP, IBM, etc., to give computers and related services to people without access. However, a reverse divide is also happening, as poor and disadvantaged children and teenagers spend more time using digital devices for entertainment and less time interacting with people face-to-face compared to children and teenagers in well-off families. What does your Elected Official say about this subject? THIS CONDITION HAS EXISTED IN SOUTHERN DALLAS COUNTY FOR DECADES. 

The divide in Southern Dallas Counties may refer to inequalities between individuals, households, businesses, or geographic areas, usually at different socioeconomic levels or other demographic categories. This must stop and be eliminated.

During the mid-1990s, the US Department of Commerce, National Telecommunications & Information Administration (NTIA) began publishing reports about the Internet and access to and usage of the resource. The first of three reports is entitled "Falling Through the Net: A Survey of the ‘Have Nots’ in Rural and Urban America" (1995), the second is "Falling Through the Net II: New Data on the Digital Divide" (1998), and the final report "Falling Through the Net: Defining the Digital Divide" (1999). The NTIA's final report attempted clearly SAID,  "the digital divide—the divide between those with access to new technologies and those without—is now one of America's leading economic and civil rights issues. WHY IS YOUR COUNTY COMMISSIONER, CITY COUNCIL MEMBER, CONGRESSIONAL MEMBER, ALL QUIET AS A CHURCH MOUSE? 


Equality before law means that the law applies to all peoples without exceptions, therefore the law must be designed beforehand in a way that discrimination by the state become unthinkable. Fairness and justice concept should be followed and enforced by the state

(3.) Equal Justice under the Law. Qualified Immunity's Role In Police as a Defense...More Accountability not Defunding Departments. This Issue must be addressed by all Elected Officials as One voice and One Accord in communities that killings and abuse has occurred. North Dallas does not give a damn.. South Dallas must give a Damn. Before anarchy occurs. 


In the wake of the police killings of Breonna Taylor and George Floyd and so many others since Medgar Edgars, All of God's people are asking hard questions about what, exactly, should be done about the police. Take them out of schools? Defund them? Or should we abolish them altogether?  Seemingly radical notions like defunding police departments or outright abolition of the police have gained momentum in no small part because police departments have proven, again and again, resistant to even the most modest reforms. Even smaller-bore efforts to remove so-called "bad apples" have often gone nowhere; police officers seldom lose their jobs for brutality and misconduct. They're also rarely arrested or indicted — let alone convicted — of wrongdoing in criminal cases.

It's also virtually impossible to get redress by suing a police officer in a civil case, thanks to a judicial doctrine called qualified immunity. Effectively, qualified immunity means that government officials like police officers can only be held accountable in civil court for violating a person's rights if those rights are "clearly established" in already-existing case law. Qualified immunity. In the United States, qualified immunity is a legal principle that grants government officials performing discretionary functions immunity from civil suits unless the plaintiff shows that the official violated "clearly established statutory or constitutional rights of which a reasonable person would have known". It is a form of sovereign immunity less strict than absolute immunity that is intended to protect officials who "make reasonable but mistaken judgments about open legal questions", extending to "all [officials] but the plainly incompetent or those who knowingly violate the law". Qualified immunity applies only to government officials in civil litigation, and does not protect the government itself from suits arising from officials' actions. The U.S. Supreme Court first introduced the qualified immunity doctrine in Pierson v. Ray (1967), enacted during the height of the civil rights movement, it is stated to have been originally enacted with the rationale of protecting law enforcement officials from frivolous lawsuits and financial liability in cases where they acted in good faith in unclear legal situations. Starting around 2005, courts increasingly applied the doctrine to cases involving the use of excessive or deadly force by police, leading to widespread criticism that it "has become a nearly fail safe tool to let police brutality go unpunished and deny victims their constitutional rights". This law must be addressed,changed and ultimately eliminated.   Secondly, bail bond reform - eliminating cash bailBail Reform must be addressed by those who represent Communities of Color. On any given day in 2015, roughly 700,000 people were locked up in local jails. The majority of them had not been convicted of a crime.  After an arrest — wrongful or not — a person’s ability to leave jail and return home to fight the charges depends on money. That's because, in most states, people are required to pay cash bail. Originally, bail was supposed to make sure people return to court to face charges against them. But instead, the money bail system has morphed into widespread wealth-based incarceration. What does your DALLAS County Commissioner of DALLAS District Attorney say about this issue?  Poorer Americans and people of color often can't afford to come up with money for bail, leaving them stuck in jail.  WHAT DOES YOUR DALLAS ELECTED STATE REPRESENTATIVE, DALLAS MAYOR, DALLAS COUNTY COMMISSIONER, CITY OF DALLAS COUNCIL MEMBER, OR MEMBER OF CONGRESS SAY ABOUT THIS ISSUE?  Is YOUR DALLAS COUNTY District Attorney sleep or an enabler?  In Conclusion, Circulate black dollars in black communities. Embrace the Black Wall Street Mentality.  IT WAS CREATED WITH VISION, COURAGE, UNITY AND TRUST, Not a stimulus check or reparations check.  Black leadership is still using protest tactics and methodologies from the 1950's to address 2018 economic problems. Those tactics won't work. There is no more cotton for Black people to pick, but our leadership teaches us to have a cotton picking and sharecropper mentality.

Even if Black people continue acquiring wealth at our present rate and White people stop acquiring any additional wealth, it would take 228 years to close the racial wealth gap. As of 2013, White households had $116,000 in median household net worth and Black families had $1,700.00 of median household net worth

It is projected that by 2053 Black median household net worth will be at zero dollars. Black people's net worth will be at the same level as when we came out of slavery in 1865.The good news: Black people in America have a gross national income of about $1.3 trillion. The bad news: Only 2 percent – or about $26 billion of those $1.3 trillion – is re-circulated in the Black community.If Black dollars were re-circulated more in Black-American communities, Black dollars would produce Black companies, help hire Black employees, support Black families and rebuild Black communities.

Instead, our $1.3 trillion income makes other people rich, including Whites, Arabs, Koreans, Pakistanis, Indians, Latinos, Chinese, Polish, even Blacks from the Caribbean and the continent of Africa. It's time your leaders speak to and promote "The Circulate" black dollars in black communities talk, action and strategies. 

THE NEXT TIME YOU BUY DONUTS, in south Dallas, REMEMBER YOU ARE FINANCING ASIAN ECONOMIC DEVELOPMENT!  ASk your elected official to promote these ideas; 


  • Make election day a national holiday

  • Make voting a right and prohibit any state from passing laws that restrict voting in any way.  

  • Make voter registration automatic

  • Update and enforce our anti-trust laws to minimize consumer abuse.  

  • Amend the 1970 Legislative Reorganization Act to disempower corporate lobbyist influence on Congressional committee members.

 If we do not build it, design it, grow it, sub contract it, develop it, own it....IT IS NOT ECONOMIC DEVELOPMENT. Marvin Earle, KILL the Messenger

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