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Redlining Essay Redlining Essay Redlining primarily refers to an illegal discriminatory practice by real estate lenders or insurance companies who decide that certain areas are high-risk investments. Despite strong credit qualifications of would-be borrowers, lenders refuse to give mortgages to buyers wanting to purchase properties in those designated areas or to give building improvement loans to the current owners.
Similarly, insurance companies redline when they refuse to issue property insurance policies to applicants who live in those areas.
The term is also used when large supermarkets abandon low-income communities, leaving residents with limited access to affordable, quality food.
It put out maps with underwriting guides that were color-coded as A blueB greenC yellowand D red levels of credit worthiness.
In the s, consumer activists in Chicago spearheaded reform, and congressional scrutiny led to corrective legislative action: The Community Reinvestment Act of was intended to end all redlining practices by requiring banks to apply the same lending standards in all neighborhoods.
Critics contend, however, that such discrimination persists. After a six-month investigation of 24 million mortgage records and interviews, U. As a result, poor and minority homeowners were 50 percent less likely to secure full-coverage property insurance than the residents living in predominantly white, middle-class areas.
Seven years later, a study—after controlling for business size and credit quality, industrial mix, and neighborhood income—revealed that small businesses in black neighborhoods still received fewer loans. A study also reported the continuance of racial profiling in the banking and insurance industries.
Though not as blatant or prevalent today, evidence suggests the continued presence of redlining. This example Redlining Essay is published for educational and informational purposes only.
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Pages: 13; Word Get Access. Introduction of TOPIC. For thousands of years, reading was considered a worthy activity and books were highly valued. Books are carriers for ideas.
This essay aims to investigate the issue and analyze possible obstacles that may come in the way of one’s. Though no argument is needed in the expository essay, it still must include a Thesis Statement, which is an idea expressed in the introduction paragraph that indicates what the premise of the paper will be, what it will include, and the way in .