Fair Housing
Redlining in the context of fair housing is:
AA marketing technique highlighting desirable neighborhoods
BRefusing to provide mortgage loans or insurance in certain neighborhoods based on race or national origin✓ Correct
CA zoning practice separating commercial and residential uses
DSetting minimum price requirements in certain areas
Explanation
Redlining refers to the practice of refusing to provide financial services (loans, insurance) in certain geographic areas based on the racial or ethnic composition of those areas. It is an illegal form of discrimination under the Fair Housing Act and ECOA.
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Key Terms to Know
Fair Housing Act
Federal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
RedliningAn 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.
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.
State-Specific Concepts
Continuing Education
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