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redlining
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Insurance Redlining Is Back—But We Can Fight It
For decades, insurance regulators have resisted requiring the kind of disclosures that are now routine around mortgage lending. But that might change.
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Redlining Maps Didn’t Affect Neighborhoods the Way You Think They Did
Home Owners’ Loan Corporation maps have long been blamed for racial inequities in today’s Black neighborhoods, but recent research shows that’s misleading.
How the New CRA Rule Will Help, and Where It Falls Short
The assessments that evaluate a bank’s lending practices have improved, but there are several missed opportunities for reform. For one, the new rules won’t incorporate a racial analysis into lending examinations.
NCRC Claims KeyBank Broke Promises, Failed Black Homeowners
Who is responsible for evaluating whether groups adhere to promises made in a community benefits agreement (CBA)? Is there any recourse for those who don’t get what they were promised? And what lessons can we take away from the KeyBank CBA?
How Tax Assessments are Racist
Between biased property appraisals that undervalue Black-owned properties and biased tax assessments that levy an unfair burden, homeowners of color are flanked by a double-whammy of racism.
Dot’s Home, a Computer Game, Addresses History of Housing Discrimination
A new video game aims to educate players on the various housing barriers facing Black Americans through history. How well does it do that?
Blaming Redlining Is Too Easy
Expanding access to the housing market is unlikely to do much to close the racial wealth gap. Here’s why.
Doing “The Right Thing” Won’t Close the Racial Wealth Gap
Solutions to address racial wealth inequality have often focused on behavioral changes and individual choices, minimizing efforts to dismantle structural barriers to wealth accumulation for Black Americans.
Realtors Reckon with Race
A new generation of real estate agents are aiming for meaningful change in an industry most famous for championing and enforcing segregation.
The Cooperative Struggle Against Redlining
Many people are familiar with redlining, but less well known are the handful of cooperatives that sprouted up following WWII with a bold mission: providing integrated, community-owned housing.
Why the Community Reinvestment Act Must Be Expanded Broadly Throughout the Financial Industry
The financial industry has been one of the main perpetrators of racial discrimination. It should be obligated to serve all communities, particularly communities of color.
Murder, Redlining, and the Fight for Jamaica Plain
Ken Reardon reviews “Redlined: A novel of Boston” by Richard W. Wise, an exciting novel about a community’s fight for survival against disinvestment.
Redlining Would Be Relegalized by CRA Reform Proposal
In an attempt to make compliance easier for banks, regulators are proposing to incentivize the very thing the Community Reinvestment Act was written to fight.