Redlining

Prior to the 1970s, discriminatory lending practices became hidden produces in central cities across the nation. The origins of fair lending litigation can be traced back to a 1976 redlining case in Oakley, Cincinnati. It was not until 1968, when the Fair Housing Act and other federal provisions regarding discrimination became law binding. A precedent regarding the application and interpretation of the anti-discrimination provisions was waiting to be set for local neighborhoods in the United…

Despite the progress made in policy over time to implement desegregation, there are many institutions that remain separate among Blacks and Whites. The most daunting separation that occurs between the races is in the living space. Residential racial segregation is an anomaly, as all of the legal efforts to live together in harmony are thwarted by this major gap in integrated neighborhoods. Many factors are suspected to contribute to this continued trend. It is theorized that it is the choice of…

First, racist policies such as redlining made it easy for white, middle to upper class families to move to the suburbs and separate from African American and Latino populations. According to the article “How Redlining Led to Rioting”, “white society” is the idea that the government makes racist laws that ensures African Americans and white Americans would have separate communities and spheres of life. Redlining is the process of denying services to a specific demographic…

When people hear the term American Dream, many think of success, goals, and opportunity. As a country alone, America is routinely correlated with the possibility that one can thrive and create a way of life for themselves that wouldn’t be attainable anywhere else. As proven by a number of new immigrants, success is surely possible in America. However, according to Ta-Nehisi Coates, author of Between the World and Me, the dream is an ongoing challenge in present day. Coates claims that the…

Redlining referred to lenders who refused to lend money or extend credit to borrowers in certain areas of a town, usually because those areas were viewed as more dangerous and thus a higher insurance liability. These have historically been predominantly non-white communities littered with crime, which benefit from little tax money for things like reputable schools and good local maintenance. Although redlining is not actively done today, the effects remain…

of the program outlining the infamous redlining process in which the government devalued black and integrated neighborhoods by excluding such homes from subsidized mortgages. This process promoted extreme white flight from cities and established racial segregation as the norm in American society. Sunrise Hills, the community depicted and critiqued in No Down Payment directed by Martin Ritt, exemplifies the segregated communities which resulted from redlining. Hannah-Jones, who investigated the…

Rachel Swarns tells a story describing how banks are still practicing a form of redlining, this time targeting Blacks and Hispanics. Even though they may seem unrelated, this may lead to health disparities for Hispanics in the future. In the past, as outlined by Massey and Denton (1993), Blacks were the only racial group that experienced residential segregation. While there were many factors that segregated Blacks, redlining was one that had a huge influence, which is why this case is so…

attack rather than a response to Ta-Nehisi Coates’ “The Case for Reparations,” a piece that discusses the possibility of investigating possible American reparations to African Americans for the white supremacy imposed on the race in the topic of redlining. Williamson’s last sentence of his piece reads “The people to whom reparations were owed are long dead; our duty is to the living, and to generations yet to come, and their interests are best served by liberty and prosperity, not by moral…

However, have we truly reached racial equality in the country? In society? In our hearts? In numerous ways, the Civil Rights Movement has brought substantial change and equality in the United States. One example would be redlining, or rather the lack of redlining. Redlining is to refuse a loan or insurance to someone because where they live is a financial risk. By making African American people live in impoverished…

communities, who are urged to affiliate with similar races to survive. Instead of local city councils financially assisting improvised areas, some are accused of redlining, the practice of arbitrarily denying or limiting financial services to specific neighborhoods, generally because its residents are people of color or are poor. Through redlining, banks and real estate…