Fair Housing
What is 'redlining' in the context of fair housing?
AA real estate agent highlighting properties in red on a map for buyer tours
BThe illegal practice by lenders of refusing to provide loans or insurance in certain geographic areas based on the racial or ethnic composition of those areas✓ Correct
CA contractor marking areas of a property that need repair
DA zoning practice that designates certain areas for industrial use
Explanation
Redlining is the illegal practice where lenders, insurers, or government agencies refused to provide financial services in certain neighborhoods — originally traced with red lines on maps — based on the racial or ethnic makeup of the area. It violates the Fair Housing Act and Equal Credit Opportunity Act.
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Key Terms to Know
Redlining
An illegal practice where lenders or insurers deny services or charge higher rates in certain neighborhoods based on the racial or ethnic composition of those areas.
Fair Housing ActFederal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
SteeringAn illegal practice where a real estate agent directs buyers toward or away from certain neighborhoods based on the buyer's race, religion, national origin, or other protected characteristics.
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