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Redlining is a discriminatory practice in which financial services are withheld from neighborhoods that have significant numbers of racial and ethnic minorities. [2] Redlining has been most prominent in the United States, and has mostly been directed against African Americans, as well as Mexican Americans in the Southwest. [3]
As redlining prevents households from owning, they have no choice but to rent from landlords that neglect property and charge high rent. [47] These factors allow the devalorization cycle to occur in a neighborhood, eventually leading to the reclamation and transformation of the neighborhood, uprooting the poor residents who have no equity to ...
Realty Forum vs. New York State Attorney General (1988): This case involves the New York State Attorney General suing a Yonkers Real – Estate agency, The Realty Forum in 1988 with racial steering. The Attorney General accused the firm of "providing listings of apartments in particular neighborhoods based solely on a client's race or color".
Segregation is a common tale in American cities — most practiced discrimination in housing loans and urban renewal — but at the same time, every town has its own unique narratives.
We know all too well the systemic roadblocks people of color, and particularly Black Americans, face in realizing the dream of homeownership. | Op-ed by T’wina Nobles and Maureen Fife
The prevalence of housing discrimination and redlining in the United States has led to wide-ranging impacts upon various aspects of the structure of society, such as housing inequality and educational inequality. These phenomena can be seen through the lens of critical race theory as examples of systemic racism. [2] [3] [4]
Reverse redlining [ edit ] This phenomenon occurs when a lender or insurer particularly targets minority consumers, not to deny them loans or insurance, but rather to charge them more than would be charged to a similarly situated majority consumer, specifically marketing the most expensive and onerous loan products.
Racial steering; Redlining; Jones v. Alfred H. Mayer Co. Fair Housing Council of San Fernando Valley v. Roommates.com, LLC; Texas Department of Housing and Community Affairs v. Inclusive Communities Project, Inc. Meyer v. Holley; Chicago Lawyers' Committee For Civil Rights Under Law v. Craigslist, Inc.