Devin Fergus, Vanderbilt University “Bro ke Black Nation: The Origins of Today's Subprime Crisis ” “Black Power and the Quest for Citizenship” Devin Fergus, Ph.D. teaches history at Vanderbilt University. Currently, he is co mplet ing The Ghetto Tax, 1974-2000. This book examines America's hidden taxes in subprime mo rtgages, high -cost equity and payday loans, and higher auto insurance rates paid by consumers fro m minority, immig rant, urban, female, elderly, poor, and increasingly middle -class populations. The Ghetto Tax explains the widening wealth differential in modern A merica—even during mo ments in the nation’s recent past, such as the 1990s, when inco me gaps between whites and minorit ies, and wo men and men, have closed. He is author of Liberalism, Black Power, and the Making of American Politics, 1965-1980, which exp lores the untold story of black nationalism and liberalism since the 1960s. Professor Fergus has received numerous grants and fello wships from foundations such as Rockefeller, Gilder Leh rman, Du Pont, Fo rd, NEH Su mmer Institute/W.E.B. Du Bois Institute, Mellon (Camb ridge, UK), and Rothermere A me rican Institute (Oxfo rd, UK). He has appeared and been interviewed by local, national, and international print and electronic med ia, fro m the Nashville Tennessean to NPR. He received his Ph.D. in h istory in 2002 fro m Colu mbia Un iversity.