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Topic: Redlining

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	redlining - Definitions from Dictionary.com
		to treat by redlining (an area or neighborhood).
		To reach the maximum engine speed at which an engine is designed to be safely operated: The car redlined at 80 miles per hour in fourth gear.
		To discriminate against by refusing to grant loans, mortgages, or insurance to.
	dictionary.reference.com /browse/redlining (414 words)

	Redlining
		Redlining is the practice of arbitrarily denying or limiting financial services to specific neighborhoods, generally because its residents are people of color or are poor.
		Redlining's negative effects remained largely unrecognized by policymakers until the mid-1960s.
		The extent of progress in ending redlining in the insurance industry remains an ongoing debate.
	www.encyclopedia.chicagohistory.org /pages/1050.html (567 words)

	Predatory Lending: Redlining in Reverse
		After decades of redlining practices that starved many urban communities for credit and denied loans to racial minorities, today a growing number of financial institutions are flooding these same markets with exploitative loan products that drain residents of their wealth.
		Such “reverse redlining” may be as problematic for minority families and older urban neighborhoods as has been the withdrawal of conventional financial services.
		And the fight against redlining, in its traditional or “reverse” forms, remains an ongoing struggle.
	www.nhi.org /online/issues/139/redlining.html (2339 words)

	Racial Redlining: Part I
		Racial redlining is the practice whereby mortgage lenders figuratively draw a red line around minority neighborhoods and refuse to make mortgage loans available inside the red lined area.
		Broadly defined, racial redlining encompasses not only the direct refusal to lend in minority neighborhoods, but also procedures that discourage the submission of mortgage loan applications from minority areas, and marketing policies that exclude such areas.
		In monitoring for racial redlining, it is not adequate to employ a single, generic definition of minority neighborhood, since such a generic definition may obscure discrimination against a particular type of minority neighborhood.
	www.public-gis.org /reports/red1.html (3068 words)

	NationMaster - Encyclopedia: Redlining (Site not responding. Last check: )
		Redlining is the practice of denying or increasing the cost of services, such as banking or insurance, to residents of certain areas.
		Redlining began with the Housing Act of 1934 which established the Federal Housing Authority (FHA) to improve housing conditions and standards, and later led to the formation of the Department of Housing and Urban Development (HUD).
		Redlining was made illegal under the Community Reinvestment Act of 1977.
	www.nationmaster.com /encyclopedia/Redlining (754 words)

	Competitive Enterprise Institute
		By casting redlining as a form of racial discrimination, fair housing groups have succeeded in mobilizing the federal government's formidable civil rights enforcement apparatus to overturn traditional risk-based underwriting standards.
		Compared to other properties, inner-city homes are more likely to incur losses because they tend to have substandard heating and wiring components (which is generally a function of age), and are located in neighborhoods with higher crime rates, more abandoned buildings, and a greater incidence of arson.
		Despite the recent spate of redlining settlements, as yet there is not an actual decision that establishes a legal precedent for applying the disparate impact doctrine to insurance underwriting.
	www.cei.org /gencon/005,01255.cfm (875 words)

	Important Texas Decision on Insurance Redlining Data
		After a 1997 Center for Economic Justice report, which used the zip code data to show Nationwide Insurance was redlining in minority neighborhoods, the company was required to increase its writings in underserved areas and report to the TDI on its progress.
		Nationwide, both in Texas and Virginia, has settled cases of alleged insurance redlining by agreeing to improve their writings in minority zip codes.
		In both cases, it was the work of public interest groups that first brought to light the allegations of redlining.
	www.consumersunion.org /finance/redlsw500.htm (373 words)

	Californians for Technology and Video Choice - Issues
		The practice known as “redlining” is a form of discrimination in which a service provider of any kind avoids serving minority and/or low-income neighborhoods.
		By raising prices, cable is essentially redlining out poorer communities and less affluent neighborhoods simply with their pricing.
		Redlining is not happening now and is not in the best interest of any new competitors.
	www.cavideochoice.org /issues/redlining.htm (379 words)

	Ohio FORUM
		It was not the policy, nor the practice in the banking industry to redline neighborhoods.
		Following disclosures in the 1970s showing the extent of “redlining” practices among banks, Congress passed the Community Reinvestment Act (CRA) to regulate the banking industry and required greater disclosure of loans by banks.
		Redlining includes forms of discrimination, generally against minorities or low-income communities, by bank branches taking deposits and opening accounts but refusing to make loans to buy houses in the same neighborhoods.
	www.organizeohio.org /ohioforum/ohiocommentaries/redlining.htm (1164 words)

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