A report titled "State of the Dream 2008: FORECLOSED" by United for a Fair Economy pinpoints how mortgage companies and banks targeted people from traditionally underrepresented groups with subprime loans. In addition, the report illustrates how severely affected the Black and Latino communities are because of the foreclosures... Furthermore, the report situates the subprime crisis within "a long tradition of economic, and more specifically, housing discrimination in the U.S."... According to a 2006 study by the Center for Responsible Lending, even when income and credit risk are equal to white borrowers, Black borrowers are 31 percent to 34 percent more likely to receive higher-rate subprime loans than whites. [refers to positive step by Genworth Financial]