Interviewing Gale Cincotta, a co-author of the book "Urban Disinvestment: New Implications for Community Organization, Research, and Public Policy." Cincotta is an expert on discrimination in mortgage loans and its effects in Chicago and other cities.

As members of CAP (Citizens Action Program), Bernie Willow, Hazel Montgomery and Stanley Nappolomi all have their questions and concerns about the communities in which they reside and who gave the banks the right to determine which neighborhoods and communities are deteriorating. An outspoken, almost militant member, Bernie Willow, points out that the charters of savings and loans institutions was to loan money out so people could reside in the neighborhoods. Many of the establishments, Willow says, have dropped the word “Loan” from the businesses.