Warning

Info

Warning

Info

Warning

Info

LSDefine

Simple English definitions for legal terms

redlining

Read a random definition: national union

A quick definition of redlining:

Redlining is when people are unfairly denied services like loans, insurance, and healthcare just because of where they live and their race or ethnicity. This means that even if they are qualified and responsible, they are still refused these services. The term comes from a practice in the past where the government marked certain neighborhoods with a red line on a map, saying they were not good enough for loans. These neighborhoods were often where Black people lived. This was very unfair and against the law. Today, we have laws to stop redlining and make sure everyone has equal access to important services.

A more thorough explanation:

Redlining is a practice where certain neighborhoods, usually inhabited by people of color, are denied financial services like mortgages, loans, and insurance based solely on their residency. This practice ignores the individual's qualifications and creditworthiness and is solely based on their race or ethnicity.

Redlining can also extend to the withholding of essential services like healthcare and grocery stores. The term originated from the U.S. Government's homeownership programs in the 1920s and 1930s, where maps were color-coded to determine loan worthiness. The color red was attributed to neighborhoods deemed unworthy of inclusion in the program, and most of these neighborhoods were predominantly inhabited by Black residents.

For example, in the 1980s, Atlanta banks would lend in lower-income white neighborhoods but would refuse to lend in middle-income or upper-income Black neighborhoods. Another example is this map from Syracuse, New York, which shows how certain neighborhoods were marked in red and denied government-insured loans.

The Fair Housing Act of 1968 prohibited discrimination in housing based on race, religion, national origin, or sex, and the Home Mortgage Disclosure Act of 1975 required financial institutions to collect information about their mortgage lending activity. These acts were adopted to put an end to redlining and race-based housing patterns.

Redirect examination | reentry

Warning

Info

General

General chat about the legal profession.
main_chatroom
👍 Chat vibe: 0 👎
Help us make LSD better!
Tell us what's important to you
19:43
@Dkk: yeah register 1 website and every swinging tom dick and harry calls/emails/texts to 'help with seo'. like bruh, if YOU found it, what i am doing is working
Dkk
19:43
Indeed!
19:48
wasp, i think people are hopeful for a gov who at least attempts to care about the common man
MIAMI A
[] AromaticTroubledDormouse
20:55
How does one know if they are UR1 or UR2?
[] AromaticTroubledDormouse
20:56
CONGRATS MACAQUE!
TY
got a random stanford email and almost had a heart attack
ALSO CONGRATS!
Congrats1!
21:15
Miami A, yall I'm so excited I could cry.
21:15
Feel like I can finally stop holding my breath!! Whew!!!
[] baddestbunny
22:16
every time I get accosted by a strange man who follows me around because my male coworkers were too busy talking to walk me back to my car I get closer to saying we need to bring back traditional gender roles
Dkk
22:32
Nice! @Macaque
Dkk
22:32
@Aromatic, Have to guess.
Dkk
22:33
That sucks @Bunny do you have to go to the hospital?
[] baddestbunny
22:40
I said accosted not assaulted
23:35
guys. my notre dame address just went long is this good or bad
1a2b3c4d26z
23:37
Oooooo me too
23:37
omg is this good or bad
Dkk
23:47
Idk if gender roles are gunna fix that then.
23:49
it looks like most people who applied in october last cycle didn't get a decision until january... does it even mean anything that our addresses went long??
hows ED 2 compared to ED 1?
Dkk
0:10
No idea
windyMagician
0:34
reporting live to say my ndls address also went long
does it mean anything ^
Dkk
2:21
NDLS and Fordham took a very long time last year. It's good info for people to know.
[] baddestbunny
4:29
let’s get after it boys and girls
Dkk
5:21
I gtg to bed soon.
Dkk
5:22
Big day today. Gunna be a crazy one. I will sleep through the first half.
LSD+ is ad-free, with DMs, discounts, case briefs & more.