Redlining
Redlining
Redlining was a government supported practice starting in the 1930’s. It remains the leading cause of today’s housing segregation. Lenders (loaners, homeowners, etc) would outline areas that were off limits for issuing loans in red ink, (hence the title, “redlining.”) These highlighted areas were filled with mostly, if not only, African American residents, leaving qualifying credit holders with far less financial opportunities than their white counterparts. Redlining made it nearly impossible for African Americans to become homeowners and build wealth.
The Fair Housing Act of 1968, (also known as the ‘Fair Housing Project,’ or the ‘Civil Rights Act’), is a federal law that countermands discriminatory sales, rents, or financing of housing to anyone based on their skin color, race, nationality, or religion. While this marks progression from redlining, African Americans continue to suffer from the effects of it. For example, there is still very apparent racial segregation in neighborhoods, and corresponding disproportionate property values. These are impactful because while everyone else is investing, the black community is still trying to catch up on what they missed out on during the era of redlining.


