--- title: "Meaning & Key Takeaway of: Historically marginalized populations…" description: "\"Historically marginalized populations have already had less access to wealth and credit building opportunities, and the continued use of credit histori..." image: "https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg" --- # Historically marginalized populations have already had… ![“Historically marginalized populations have already had less access to wealth and credit building opportunities, and the continued use of credit histories to set auto insurance pricing compounds racial discrimination and exacerbates wealth inequality.” quote by Rashida Tlaib](https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg) [Download](https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg) [Open image](https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg) > “Historically marginalized populations have already had less access to wealth and credit building opportunities, and the continued use of credit histories to set auto insurance pricing compounds racial discrimination and exacerbates wealth inequality.” [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Credit‑based pricing in auto insurance perpetuates racial wealth gaps and limits credit building for marginalized groups. **In simple terms:** Insurance pricing based on credit harms racial equity. Key Takeaway Advocate for equitable pricing reforms. Themes inequality finance policy racial justice Mood concerned determined Type policy advocacy When to use this quote - policy debate - community organizing - financial counseling Key Concepts credit scoring insurance underwriting wealth disparity Questions to Reflect On - How can alternative data improve fairness? - What policies could replace credit‑based pricing? A Different Perspective Implementation may face industry resistance and data challenges. ★ ★ ★ ★ ★ No ratings yet [Discrimination](https://sms4smile.com/quotes/about/discrimination/) [Discrimination Exacerbates](https://sms4smile.com/quotes/about/discrimination-exacerbates-3853618/) [Historically Marginalized](https://sms4smile.com/quotes/about/historically-marginalized-3168962/) [History](https://sms4smile.com/quotes/about/history/) [Inequality](https://sms4smile.com/quotes/about/inequality/) [Less](https://sms4smile.com/quotes/about/less/) [Marginalized Populations](https://sms4smile.com/quotes/about/marginalized-populations-3033259/) [Racial discrimination](https://sms4smile.com/quotes/about/racial-discrimination/) [Wealth](https://sms4smile.com/quotes/about/wealth/) [Wealth inequality](https://sms4smile.com/quotes/about/wealth-inequality/) ## Related quotes > [My films are motivated by a keen interest in highlighting issues that affect marginalized populations who are caught in difficult circumstances.](https://sms4smile.com/quotes/sharmeen-obaid-chinoy/my-films-are-motivated-by-a-keen-interest-in-highlighting-issues-that/) [Sharmeen Obaid-Chinoy](https://sms4smile.com/quotes/author/sharmeen-obaid-chinoy/) > [We've seen historically how marginalized communities or historically marginalized communities particularly suffer from tech companies unchecked data collection and use.](https://sms4smile.com/quotes/raphael-warnock/we-ve-seen-historically-how-marginalized-communities-or-historically/) [Raphael Warnock](https://sms4smile.com/quotes/author/raphael-warnock/) > [“We must continue to match the creation of space for those who have been historically marginalized with purposeful restraint by others.”](https://sms4smile.com/quotes/alexandra-brodsky/we-must-continue-to-match-the-creation-of-space-for-those-who-have/) [Alexandra Brodsky](https://sms4smile.com/quotes/author/alexandra-brodsky/) > [Creating more characters that represent historically marginalized and historically disenfranchised people in television and film is certainly important.](https://sms4smile.com/quotes/asia-kate-dillon/creating-more-characters-that-represent-historically-marginalized-and/) [Asia Kate Dillon](https://sms4smile.com/quotes/author/asia-kate-dillon/) > [On March 7, 1965, some 600 civil rights activists marched in Selma, Alabama, demanding an end to racial discrimination. 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I was thinking about how we were going to end segregation at lunch counters in Atlanta, Georgia.We would have…](https://sms4smile.com/quotes/marian-wright-edelman/i-wasn-t-thinking-about-history-i-was-thinking-about-how-we-were/) [Marian Wright Edelman](https://sms4smile.com/quotes/author/marian-wright-edelman/) > [The way to stop discrimination on the basis of race is to speak openly and candidly on the subject of race, and to apply…](https://sms4smile.com/quotes/sonia-sotomayor/the-way-to-stop-discrimination-on-the-basis-of-race-is-to-speak/) [Sonia Sotomayor](https://sms4smile.com/quotes/author/sonia-sotomayor/) > [Communism will never be defeated by atomic bombs. 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It's illegal in the United States. It's illegal in Arizona. It has been and it will continue to be.](https://sms4smile.com/quotes/jan-brewer/racial-discrimination-is-illegal-it-s-illegal-in-the-united-states-it/) [Jan Brewer](https://sms4smile.com/quotes/author/jan-brewer/) > [That is what I want to make clear today. A man with a long history of racial discrimination, who traffics in dark conspiracy theories…](https://sms4smile.com/quotes/hillary-clinton/that-is-what-i-want-to-make-clear-today-a-man-with-a-long-history-of/) [Hillary Clinton](https://sms4smile.com/quotes/author/hillary-clinton/) > [Racial discrimination in elections in Texas is no mere historical artifact. To the contrary, Texas has been found in violation of the Voting Rights…](https://sms4smile.com/quotes/ruth-bader-ginsburg/racial-discrimination-in-elections-in-texas-is-no-mere-historical/) [Ruth Bader Ginsburg](https://sms4smile.com/quotes/author/ruth-bader-ginsburg/) > [It is of the highest importance to provide equal access to the labour market. Governments should act to establish equitable employment standards and penalise…](https://sms4smile.com/quotes/tariq-ramadan/it-is-of-the-highest-importance-to-provide-equal-access-to-the-labour/) [Tariq Ramadan](https://sms4smile.com/quotes/author/tariq-ramadan/) ## More by Rashida Tlaib > [Obviously, I am a member of Congress, and things that I say are elevated on a national level, and I understand that very clearly.](https://sms4smile.com/quotes/rashida-tlaib/obviously-i-am-a-member-of-congress-and-things-that-i-say-are/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [When we shift our public dollars away from our schools and city services and into company developments, it increases the root causes of poverty:…](https://sms4smile.com/quotes/rashida-tlaib/when-we-shift-our-public-dollars-away-from-our-schools-and-city/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [We demand Congress access and publicly release Donald Trump's tax returns!](https://sms4smile.com/quotes/rashida-tlaib/we-demand-congress-access-and-publicly-release-donald-trump-s-tax/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [President Donald Trump is a direct and serious threat to our country.](https://sms4smile.com/quotes/rashida-tlaib/president-donald-trump-is-a-direct-and-serious-threat-to-our-country/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [You know, as a child of Palestinian immigrants, again, every corner of my district is a reminder of the civil rights movement, and I…](https://sms4smile.com/quotes/rashida-tlaib/you-know-as-a-child-of-palestinian-immigrants-again-every-corner-of/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [I'm very proud to be Arab.](https://sms4smile.com/quotes/rashida-tlaib/i-m-very-proud-to-be-arab/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [We are valuable. Detroit and other neighboring communities are places to invest in, not rob.](https://sms4smile.com/quotes/rashida-tlaib/we-are-valuable-detroit-and-other-neighboring-communities-are-places/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [I'm a member of the Michigan Democratic Party, a DSA member, member of the League of Women Voters, ACLU.](https://sms4smile.com/quotes/rashida-tlaib/i-m-a-member-of-the-michigan-democratic-party-a-dsa-member-member-of/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [I remember the different things that were happening to my family as we were getting situated and buying our first home in southwest Detroit,…](https://sms4smile.com/quotes/rashida-tlaib/i-remember-the-different-things-that-were-happening-to-my-family-as/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [I love being a mom.](https://sms4smile.com/quotes/rashida-tlaib/i-love-being-a-mom/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [In 2017, Trump pardoned Joe Arpaio, an Arizona sheriff who was ordered by a federal court to stop racially profiling and was convicted of…](https://sms4smile.com/quotes/rashida-tlaib/in-2017-trump-pardoned-joe-arpaio-an-arizona-sheriff-who-was-ordered/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [In my case, I am always that odd candidate that doesn't look like everybody else.](https://sms4smile.com/quotes/rashida-tlaib/in-my-case-i-am-always-that-odd-candidate-that-doesn-t-look-like/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [Resources and money can change people's lives today, where legislation can take years - up to 10, 15 years sometimes before it really, really impacts people.](https://sms4smile.com/quotes/rashida-tlaib/resources-and-money-can-change-people-s-lives-today-where-legislation/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [Southwest Detroit has been through hell (excuse my directness) with Matty Moroun, his Bridge Company, and all his fancy-named subsidiaries. From blighted homes that…](https://sms4smile.com/quotes/rashida-tlaib/southwest-detroit-has-been-through-hell-excuse-my-directness-with/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) > [I don't want our right to be able to speak and dissent to be taken away.](https://sms4smile.com/quotes/rashida-tlaib/i-don-t-want-our-right-to-be-able-to-speak-and-dissent-to-be-taken/) [Rashida Tlaib](https://sms4smile.com/quotes/author/rashida-tlaib/) [Explore all 100 Rashida Tlaib quotes ](https://sms4smile.com/quotes/author/rashida-tlaib/) ## More Discrimination quotes > [There could be no more powerful argument against mixing religion and government than the success of independent African American churches in placing racial segregation…](https://sms4smile.com/quotes/susan-jacoby/there-could-be-no-more-powerful-argument-against-mixing-religion-and/) [Susan Jacoby](https://sms4smile.com/quotes/author/susan-jacoby/) > [Jesus never said a word about homosexuality. In all of his teachings about multiple things - he never said that gay people should be…](https://sms4smile.com/quotes/jimmy-carter/jesus-never-said-a-word-about-homosexuality-in-all-of-his-teachings/) [Jimmy Carter](https://sms4smile.com/quotes/author/jimmy-carter/) > [In a general way, the literature of the twentieth century is essentially psychological; and psychology consists of describing states of the soul by displaying…](https://sms4smile.com/quotes/simone-weil/in-a-general-way-the-literature-of-the-twentieth-century-is/) [Simone Weil](https://sms4smile.com/quotes/author/simone-weil/) > [“Mental illness is not something you misunderstand in this era. Get educated because bias is no different than racism.”](https://sms4smile.com/quotes/shannon-l-alder/mental-illness-is-not-something-you-misunderstand-in-this-era-get/) [Shannon L. Alder](https://sms4smile.com/quotes/author/shannon-l-alder/) > [I believe that those who promote discrimination on the basis of sexual orientation or any other grounds are gravely mistaken about the values that…](https://sms4smile.com/quotes/bill-clinton/i-believe-that-those-who-promote-discrimination-on-the-basis-of/) [Bill Clinton](https://sms4smile.com/quotes/author/bill-clinton/) > [Each Act of Parliament intended to address harassment and discrimination has faced objections on the basis of 'you'll never be able to prove...' and…](https://sms4smile.com/quotes/tim-field/each-act-of-parliament-intended-to-address-harassment-and/) [Tim Field](https://sms4smile.com/quotes/author/tim-field/) > [Nothing better protects a human being against the stupidity of prejudice, racism, religious or political sectarianism, and exclusivist nationalism than this truth that invariably…](https://sms4smile.com/quotes/mario-vargas-llosa/nothing-better-protects-a-human-being-against-the-stupidity-of/) [Mario Vargas Llosa](https://sms4smile.com/quotes/author/mario-vargas-llosa/) > [It is obvious that discrimination exists. Women do not have the opportunities that men do. And women that do not conform to the system,…](https://sms4smile.com/quotes/shirley-chisholm/it-is-obvious-that-discrimination-exists-women-do-not-have-the/) [Shirley Chisholm](https://sms4smile.com/quotes/author/shirley-chisholm/) > [The fact is that in too many parts of our country, we still have discrimination. And affirmative action is not just something that applies…](https://sms4smile.com/quotes/john-f-kerry/the-fact-is-that-in-too-many-parts-of-our-country-we-still-have/) [John F. Kerry](https://sms4smile.com/quotes/author/john-f-kerry/) > [Judging someone by the color of their skin is ignorant. 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There is no excuse for…](https://sms4smile.com/quotes/rigoberta-menchu/i-resolutely-believe-that-respect-for-diversity-is-a-fundamental/) [Rigoberta Menchu](https://sms4smile.com/quotes/author/rigoberta-menchu/) > [End discrimination and hate everyone.](https://sms4smile.com/quotes/candy/end-discrimination-and-hate-everyone/) [Candy](https://sms4smile.com/quotes/author/candy/) > [This bill would allow an employee to bring a claim against an employer decades after the alleged initial act of discrimination occurred. Trial lawyers,…](https://sms4smile.com/quotes/buck-mckeon/this-bill-would-allow-an-employee-to-bring-a-claim-against-an/) [Buck McKeon](https://sms4smile.com/quotes/author/buck-mckeon/) > [Legal discrimination between the sexes is, in almost every instance, founded on outmoded views of society and the pre-scientific beliefs about psychology and physiology.…](https://sms4smile.com/quotes/shirley-chisholm/legal-discrimination-between-the-sexes-is-in-almost-every-instance/) [Shirley Chisholm](https://sms4smile.com/quotes/author/shirley-chisholm/) [Browse all 1,366 Discrimination quotes ](https://sms4smile.com/quotes/about/discrimination/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "Historically marginalized populations have already had less access to wealth and credit building opportunities, and the continued use of credit histories to set auto insurance pricing compounds racial discrimination and exacerbates wealth inequality.", "creator": { "@type": "Person", "name": "Rashida Tlaib" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/rashida-tlaib/historically-marginalized-populations-have-already-had-less-access-to/", "about": { "@type": "Thing", "name": "Discrimination" }, "@id": "https://sms4smile.com/quotes/rashida-tlaib/historically-marginalized-populations-have-already-had-less-access-to/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg", "contentUrl": "https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg", "url": "https://sms4smile.com/quotes/i/47e/rashida-tlaib-5463_discrimination_historically-marginalized-populations-ha_1237928.jpg", "width": 1080, "height": 1080, "caption": "“Historically marginalized populations have already had less access to wealth and credit building…” — Rashida Tlaib", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Rashida Tlaib", "item": "https://sms4smile.com/quotes/author/rashida-tlaib/" }, { "@type": "ListItem", "position": 4, "name": "Historically marginalized populations have already had...", "item": "https://sms4smile.com/quotes/rashida-tlaib/historically-marginalized-populations-have-already-had-less-access-to/" } ], "@id": "https://sms4smile.com/quotes/rashida-tlaib/historically-marginalized-populations-have-already-had-less-access-to/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```