![]() ![]() “ HOLC ‘Redlining’ Maps: The Persistent Structure of Segregation and Economic Inequality.” National Community Reinvestment Coalition. “ Mapping 80 Years of Segregation in U.S. “ Mapping Inequality: Redlining in New Deal America: Introduction.” University of Richmond, Digital Scholarship Lab. “ Mapping Inequality: Redlining in New Deal America.” “ HOLC ‘Redlining’ Maps: The Persistent Structure of Segregation and Economic Inequality,”. “ Community Reinvestment Act of 1977.”Ĭonsumer Financial Protection Bureau. “ Mortgage Discrimination.”įederal Reserve History. ![]() “ Community Reinvestment Act (CRA).”įederal Trade Commission, Consumer Advice. “ The Equal Credit Opportunity Act.”įederal Reserve System. “ Housing Discrimination Under the Fair Housing Act.” Department of Housing and Urban Development. HOLC described D areas as “characterized by detrimental influences in a pronounced degree, undesirable population or an infiltration of it.” It recommended that lenders “refuse to make loans in these areas only on a conservative basis.” HOLC described B areas as “still good” but not as “‘hot’ as A areas.” “They are neighborhoods where good mortgage lenders will have a tendency to hold commitments 10–15% under the limit,” or around 65% of appraisal.Ĭ neighborhoods were characterized by “obsolescence infiltration of lower grade population.” “Good mortgage lenders are more conservative in Third grade or C areas and hold commitments under the lending ratio for the A and B areas.” HOLC described A areas as “‘hot spots’…where good mortgage lenders with available funds are willing to make their maximum loans…-perhaps up to 75–80% of appraisal.”
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