Understanding Redlining

Redlining

A discriminatory practice that makes it difficult for people in certain areas to obtain a mortgage based on their race, color, national origin, or other personal characteristics.

Impact of Redlining

Redlining creates barriers to homeownership for Black, immigrant, and other communities by offering them higher interest rates, making it more expensive and challenging to buy homes.

Signs of Credit Discrimination

Refusing to provide a mortgage based on race and ethnicity, denying credit due to public assistance, and considering the presence of children when offering credit are all signs of credit discrimination according to the Fair Housing Act and the Equal Credit Opportunity Act.

Reporting Discrimination

Individuals who believe they are facing discrimination when trying to get a mortgage can report the issue to the federal agency for further investigation.