Defining Redlining

Redlining refers to the systematic discriminatory lending practices that led to disinvestment and restricted home ownership among African Americans and other racial minorities. This creates a vicious cycle of disparate, declining neighborhoods and further damage from denied economic opportunities.

Neighborhoods fell into a circle of decline: the inability to access capital lead to disrepair and the physical decline of a community’s housing stock, which in turn reinforced the redline designation.

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