ISPS: Is this dynamic a recent phenomenon? When did crisis politics begin in the United States?
DS: The phenomenon that there are punctuated moments of political, economic, and other difficulties and crises that happen in the midst of structural inequalities and ongoing marginalization is certainly not new. But I think what’s new-ish are the ways in which the dynamics of crisis politics — and especially of crises and non-crises — have begun to function as a mode of governance in the United States.
ISPS: How far back does this go? Have politicians always used the language of crisis?
DS: I systematically analyzed the evolution of crisis language in books, newspapers, party platforms, State of the Union addresses, bills, and congressional hearings from the mid-19th century through the early 21st century. I found that until the 1950s and 60s, dominant political actors used it very rarely and mainly to refer to a narrow set of political and economic issues like wars, recessions, and conflicts in or with other countries. Economic issues were really the only domestic issues to which they applied the label during that period.
But anti-slavery abolitionists and racial justice activists began applying the language of crisis to domestic issues much earlier. For example, in 1910 the NAACP named their magazine The Crisis, in part in reference to an 1845 anti-slavery poem called “The Present Crisis.” Dominant political actors then appropriated crisis politics in the 1960s to justify using state power to address domestic issues, but they typically only did so in cases when the status quo was under threat or to justify retrenchment and punitive policies against marginalized groups.
ISPS: Do you have sense as to why racial justice activists adopted the concept of a crisis?
DS: They used it as part of an effort to reframe the ways in which Americans thought about slavery and later racial oppression and racial violence more generally. They wanted to change them from something understood as natural, inevitable, and intractable and to cast them instead as urgent policy problems facing critical junctures that could and should be remedied through state power and resources.
ISPS: Where did this concept come from?
DS: In doing so, they were drawing on its original definition as a medical term that was used to describe “the point in the progress of a disease” at which medical intervention is “decisive of recovery or death.” They wanted racism to be understood as a problem facing a crossroads at which the presence or absence of the “treatment” of state action would either lead condition for Black Americans to get better or much worse. W.E.B. Du Bois argued in the editorial he wrote for the first issue of The Crisis that racism needed to be treated as a fixable problem within the control of humans, not as the inevitable and therefore eternal product of some alleged state of nature. Later articles in the magazine would also challenge the teleological and Whiggish idea that racism would inevitably decline as Americans became enlightened. It’s the contingent outcome of human decisions and agency and can and should be fixed by humans as well.
ISPS: Specifically, within the scope of government action.
DS: Yes. It’s important to see these problems as solvable through state action and resources rather than natural or inevitable.
ISPS: And denying this relegates many enduring problems to what you call a non-crisis, right? Can you give an example contrasting how politicians have treated what you call a non-crisis and what they consider a crisis worth responding to?
DS: Sure. One set of matched cases on which I focus in the book is what came to be called the foreclosure crisis of 2007-08 alongside what I call the foreclosure non-crisis of the mid-1990s. Foreclosure rates were, by many measures, higher among Indigenous people, people of color, and sole-borrower women during the “non-crisis” in the 1990s than they would be among white and male-breadwinner households during what would come to be labeled a crisis a decade later. But data I collected by coding economic reporting, party platforms, congressional hearings, and State of the Union addresses make clear that what were essentially the same problems were treated very differently by economic reporters and dominant political actors.
ISPS: How so?
DS: At a basic level, I show that the same indicators that were described as signaling a crisis in 2007 were not described that way when they affected primarily women and people of color in the 1990s. More importantly, they normalized the high rates of subprime mortgages and foreclosures among Indigenous people, people of color, and sole-borrower women, treating them as non-crises that could not be fixed by the state.
For example, despite reams of evidence from both nonprofits and government agencies that high income Black borrowers were more likely than low-income white borrowers to be sold subprime mortgages, that racial and gender gaps in subprime lending widened as incomes increased, that women typically had better credit than men, and that it was the structure of a loan, not the characteristics of a borrower that predicted whether it would be repaid, policymakers and reporters accepted lenders’ claims that women and people of color were simply “risky” borrowers who didn’t qualify for conventional mortgages.
ISPS: Which led to the conclusion that high rates of foreclosure among women and people of color were to be expected.
DS: Yes, and it gets worse. In the book, I detail the ways in which the deregulation of lending in the 1980s had allowed a well-documented resurgence in discriminatory and extractive lending practices, many of which had been illegal for about 20 years following a wave of important fair housing and fair lending laws passed during the 1960s and 70s. This was in part to address the fact that women and people of color had been denied access to the wealth-building “gold standard” of federally insured fixed-rate mortgages that had had dominated American home lending since the government had intervened to stabilize the housing market during the Great Depression.
Rather than acknowledging the federal government’s role in gutting these laws and laying the foundation for these high rates, banks and legislators instead attributed them to perhaps unfortunate but nonetheless natural and inevitable factors about which, they claimed, the state could and should do nothing. Bad credit histories. “Life events.” Or, in the case of women, gendered stereotypes about their alleged naïveté, inexperience, or bad negotiating skills.
ISPS: I imagine the narrative changed when rates of subprime lending and foreclosures reached similarly high levels among white men in 2007?
DS: It sounds like you read my book! Yes, not only did economic reporters and dominant political actors in 2007 suddenly start describing the situation as a crisis, they also stopped blaming borrowers — at least those borrowers — for rising rates of foreclosure. Instead, they blamed the new wave of foreclosures on structural factors like the resetting of adjustable-rate mortgages and argued that the federal government could and should do something.
ISPS: OK, but wasn’t the 2007-08 financial meltdown a much bigger crisis? It was the most severe global economic upheaval since The Great Depression.
DS: Yes, and my point is not that the federal response to the foreclosures of the mid-1990s should have been at the level of the response to the later global financial crisis. I’m also not suggesting that what came to be understood as the “crisis” wasn’t extremely destructive or that homeowners who were helped by the federal response didn’t deserve it. And I’m definitely not arguing that the response was adequate, since although initial calls emphasized appropriating federal funds to help homeowners, in the end, federal money went mainly to banks, lenders, and insurers while interventions for borrowers emphasized things like borrower education, raising standards for documentation, and the prosecution of “bad apple” lenders.
But even these measures came too late to help the women, Indigenous people, and people of color who’d been losing their homes for decades because their suffering was deemed tolerable and outside the reach of the state to fix. They were also not reached by more robust responses like the creation of the Consumer Financial Protection Bureau in 2011. And work by scholars such as Jacob Faber and Melanie Long suggests they also did almost nothing to address disparities in rates of homeownership or to mitigate inequitable, extractive, and discriminatory lending practices, which by some measures have been either unchanged or gotten worse in the years since crisis was said to have ended.
ISPS: You are saying that government action in a crisis can serve to perpetuate inequality?
DS: Yes. Even as the federal government mobilized to try to address this issue, policymakers continued to naturalize and exceptionalize the still very high rates of subprime lending and foreclosure when it came to women and people of color, essentially treating them as what I label a non-crisis within the crisis. As already accounted for by longstanding racist and misogynist assumptions and tropes and, implicitly, as the baseline conditions for how we would know that the “crisis” was over.
ISPS: And the baseline to which we would return to afterwards.
DS: Precisely. This dovetails with another feature of crisis and non-crisis. Part of how I and others argue dominant political actors decide that a crisis is over is when things go back to the status quo, to “normal” pre-crisis conditions that are often characterized by inequalities and injustices. In this case, white male heads of households were no longer at as much risk of losing their homes, but everyone else was at the same higher level of risk as they’d been before. And it was like: OK. We’re all good. Crisis over. Time for the state to move on.