{"id":4641,"date":"2022-03-29T11:12:14","date_gmt":"2022-03-29T16:12:14","guid":{"rendered":"https:\/\/nationalfairhousing.org\/?post_type=issue&#038;p=4641"},"modified":"2022-04-20T14:43:59","modified_gmt":"2022-04-20T19:43:59","slug":"redlining","status":"publish","type":"issue","link":"https:\/\/nationalfairhousing.org\/issue\/redlining\/","title":{"rendered":"Redlining"},"content":{"rendered":"\n<h3 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\">About this issue<\/h3>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">The identification of redlining risk and\/or violations is critically important at this time. In America, homeownership is the key to financial stability as well as other opportunities, such as home equity for college education, home repairs, medical bills, small business loan collateral, or retirement. Unfortunately, the Black\/White<a href=\"https:\/\/www.urban.org\/sites\/default\/files\/publication\/103501\/the-future-of-headship-and-homeownership.pdf\"> homeownership gap<\/a> is currently as big as it was before passage of the Fair Housing Act in 1968 and the Black\/White <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3716339\">wealth gap<\/a> is large and persistent, even when controlling for education. In addition, Latino homeownership still <a href=\"https:\/\/hispanicwealthproject.org\/annual-report\/\">significantly lags<\/a> White homeownership. <\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">Given the central role that homeownership plays in the economic security of the American consumer, the National Fair Housing Alliance (\u201cNFHA\u201d) is providing this <strong>Redlining Toolkit<\/strong> to help civil rights and consumer advocates understand the public data relating to redlining risk to protect borrowers and their communities and ensure fair and equitable access to credit. Although this toolkit is mainly addressed to advocates, it can also serve as a roadmap for lenders and government entities that want to ensure compliance with fair lending laws and promote racial equity. <\/p>\n\n\n\n<blockquote class=\"content-wrap-item blockquote post__quote wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>It will take coordinated and concerted efforts to reverse centuries of discrimination in financial services, including the redlining of communities of color.<\/p><\/blockquote>\n\n\n\n<p class=\"content-wrap-item post__paragraph\">This <strong>Redlining Toolkit<\/strong> is divided into two parts. <strong>Part I<\/strong> describes the history and legal framework for redlining and provides tools to identify specific lenders with high redlining risk.<strong> Part II<\/strong> is still under construction, but will provide guidance for taking action when a lender shows high redlining risk in a community of color and also provide useful resources, such as a step-by-step guide on how to analyze the data. This <strong>Redlining Toolkit<\/strong> is based on an analysis of the fair lending laws and regulations, federal financial regulator policies and guidance, case law, and the precedent set by public enforcement actions by the U.S. Department of Justice, the Consumer Financial Protection Bureau, and the U.S. Department of Housing and Urban Development.&nbsp;<\/p>\n\n\n\n\n    <!--Two Column Content Block-->\n    <section class=\"        has-overlay overlay-purple bg-purple-dark                pb-lg pt-lg\n    \">\n        <div class=\"container-fluid\">\n            <div class=\"row no-gutters justify-content-xl-between justify-content-xxxl-center\">\n                <div class=\"col-12 col-xxxl-10\">\n                    <div class=\"row row-grid no-gutters2 align-items-md-center justify-content-md-between\">\n\n                                                    <div class=\"col-md-5 col-lg-5 col-xxl-6 order-lg-2\">\n                                <figure class=\"border-rounded offset-b-lg\">\n                                    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/NFHA-Redlining-Toolkit_COVER.jpeg\" alt=\"\" class=\"img-fluid\" height=\"855\" width=\"570\">\n                                <\/figure>\n                            <\/div>\n                        \n                        <div class=\"col-md-7 col-lg-6 col-xxl-5 order-lg-1\">\n\n                                                            <span class=\"micro-title color-white has-divider divider-before mb-2\">A Toolkit to Ensure Fair Access to Credit <\/span>\n                            \n                                                            <h2 class=\"heading-1 color-white mb-3\">Redlining Toolkit <\/h2>\n                            \n                            <h4>This comprehensive toolkit will enable:<\/h4>\n<ul>\n<li>\n<h4><strong>Civil rights advocates<\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong>Consumer advocates<\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong>Lenders<\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong>Regulators<\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong>Academics<\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong>Journalists<\/strong><\/h4>\n<\/li>\n<\/ul>\n<h4>To take action and promote racial equity.<\/h4>\n\n                                                            <div class=\"btn-row\">\n                                                                            <a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/NFHA-Redlining-Toolkit-April-2022.pdf\" class=\"btn btn-primary btn-yellow btn-sm\">Download Toolkit <\/a>\n                                    \n                                                                    <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        \n    <\/section>\n\n\n\n\n\n    <!--Content Block-->\n    <section class=\"bg-purple-xlight pb-lg pt-lg\">\n        <div class=\"container-fluid\">\n            <div class=\"row justify-content-lg-center\">\n                <div class=\"col-lg-9\">\n\n                                            <h2 class=\"heading-1 color-purple-dark mb-5 text-center\">Table of Contents<\/h2>\n                    \n                    <div class=\"accordion accordion-default\" id=\"accordionFAQ\">\n\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn \" data-target=\"#FAQ0\" data-toggle=\"collapse\" aria-controls=\"FAQ0\" aria-expanded=\"true\">\n                                        Part I: History and Legal Framework                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse show\" data-parent=\"#accordionFAQ\" id=\"FAQ0\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <h3>Topic 1<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section1_Topic1_History_RedliningToolkit.pdf\">History:\u00a0 Redlining Perpetuated a Dual Credit Market and Is one of the Key Drivers of Today&#8217;s Wealth Gap<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 2<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Topic-2.pdf\">Legal Frameworks: Redlining Violates the Fair Housing Act and the Equal Credit Opportunity Act<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 3<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/04\/Redlining_Part-1_topic-3.pdf\">Regulatory Framework: Bank Supervision and Enforcement Has Been on The Decline<\/a><\/span><\/h3>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn collapsed\" data-target=\"#FAQ1\" data-toggle=\"collapse\" aria-controls=\"FAQ1\" aria-expanded=\"true\">\n                                        Part II: How to Identify Specific Lenders with High Redlining Risk                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse \" data-parent=\"#accordionFAQ\" id=\"FAQ1\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <h3>Topic 1<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section-II-Topic-1.pdf\">Lending Analysis<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 2<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section-II-Topic-2.pdf\">Community Reinvestment Area Assessment Area<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 3<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section-II-Topic-3.pdf\">Branch\/Loan Production Office (LPO) Locations<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 4<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section-II-Topic-4.pdf\">Other Risk Factors<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3>Topic 5<\/h3>\n<h3><span style=\"text-decoration: underline;\"><a href=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/03\/Section-II-Topic-5.pdf\">Final Analysis and Conclusion<\/a><\/span><\/h3>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n<p class=\"content-wrap-item post__paragraph\"> <\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n\n    <!--Two Column Content Block-->\n    <section class=\"                bg-purple-xlight        pb-lg pt-lg\n    \">\n        <div class=\"container-fluid\">\n            <div class=\"row no-gutters justify-content-xl-between justify-content-xxxl-center\">\n                <div class=\"col-12 col-xxxl-10\">\n                    <div class=\"row row-grid no-gutters2 align-items-md-center justify-content-md-between\">\n\n                                                    <div class=\"col-md-5 col-lg-5 col-xxl-6 \">\n                                <figure class=\"border-rounded offset-b-lg\">\n                                    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/04\/Redlining_Video.jpg\" alt=\"\" class=\"img-fluid\" height=\"855\" width=\"570\">\n                                <\/figure>\n                            <\/div>\n                        \n                        <div class=\"col-md-7 col-lg-6 col-xxl-5 \">\n\n                                                            <span class=\"micro-title color-purple-dark has-divider divider-before mb-2\">Watch The Recap<\/span>\n                            \n                                                            <h2 class=\"heading-1 color-purple-dark mb-3\">Virtual Briefing: Redlining Toolkit<\/h2>\n                            \n                            <p>On\u202fThursday, April 14th, the National Fair Housing Alliance hosted a Virtual Briefing on the new \u201cRedlining Toolkit.\u201d NFHA\u2019s comprehensive Redlining Toolkit is designed to empower advocates, lenders, government entities, journalists, scholars, and researchers to take action to ensure fair access to credit.<\/p>\n\n                                                            <div class=\"btn-row\">\n                                                                            <a href=\"https:\/\/nationalfairhousing.org\/virtual-briefing-redlining-toolkit\/\" class=\"btn btn-primary btn-yellow btn-sm\">Watch The Recap<\/a>\n                                    \n                                                                            <a href=\"https:\/\/drive.google.com\/file\/d\/1C0k1g74udwF3QxrqIVaCRnePpjrxblJB\/view\" class=\"btn btn-link btn-link-purple btn-link-arrow btn-arrow-yellow btn-arrow-after\">View The Presentation Slides<\/a>\n                                                                    <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        \n    <\/section>\n\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n\n    <!--Resources-->\n    <section class=\"block-resources pt-md pb-lg border-gutters border-gutters-dark border-gutters-top\">\n        <div class=\"container-fluid position-relative\">\n\n                            <header class=\"block-header align-between\"><h2 class=\"heading-1 color-purple-dark\">More Resources<\/h2><\/header>\n            \n            <div class=\"row row-grid-lg pt-md\">\n                                                    \n\n    \n    <article class=\"col-sm-6 col-xl-4\">\n        <a href=\"https:\/\/nationalfairhousing.org\/lenders-must-continue-to-be-held-accountable-for-discriminatory-practices\/\" class=\"card-link \" data-redirect=\"\">\n                                    <h3 class=\"heading-3 color-purple-dark mb-4\">Lenders Must Continue to be Held Accountable for Discriminatory Practices<\/h3>\n                            <div class=\"text-16-regular\">FOR IMMEDIATE RELEASE October 22, 2021 Media Contacts: Charmaine Riley, The Leadership Conference,&nbsp;riley@civilrights.org, 202.548.7166;Izzy Woodruff, National Fair Housing Alliance,&nbsp;iwoodruff@nationalfairhousing.org, 202.898.1661 Lenders Must Continue to be Held Accountable for Discriminatory Practices Washington, D.C.&nbsp;\u2014&nbsp;Wade Henderson, interim president and CEO of The Leadership Conference on Civil and Human Rights, and&nbsp;Lisa Rice, president and CEO of the National Fair [&hellip;]<\/div>\n                        <footer class=\"card-footer mt-10\"><span class=\"text-12-regular\">10\/22\/2021<\/span><\/footer>\n        <\/a>\n    <\/article>\n\n                                    \n\n    \n    <article class=\"col-sm-6 col-xl-4\">\n        <a href=\"https:\/\/nationalfairhousing.org\/nfha-urges-the-senate-banking-committee-to-thoroughly-vet-banking-nominees-records-for-a-demonstrated-commitment-to-fair-lending-and-racial-equity\/\" class=\"card-link \" data-redirect=\"\">\n                                    <h3 class=\"heading-3 color-purple-dark mb-4\">NFHA Urges the Senate Banking Committee to Thoroughly Vet Banking Nominees\u2019 Records for a Demonstrated Commitment to Fair Lending and Racial Equity<\/h3>\n                            <div class=\"text-16-regular\">FOR IMMEDIATE RELEASE November 12, 2021 Contact: Izzy Woodruff | 202-898-1661 |&nbsp;IWoodruff@nationalfairhousing.org NFHA Urges the Senate Banking Committee to Thoroughly Vet&nbsp;Banking Nominees\u2019 Records for a Demonstrated Commitment to Fair Lending and Racial Equity Washington, D.C. \u2014 The National Fair Housing Alliance (NFHA) has submitted a\u00a0letter\u00a0urging the Senate to carefully review the records of nominees to [&hellip;]<\/div>\n                        <footer class=\"card-footer mt-10\"><span class=\"text-12-regular\">11\/12\/2021<\/span><\/footer>\n        <\/a>\n    <\/article>\n\n                            <\/div>\n\n        <\/div>\n    <\/section>\n\n\n\n\n\n    <div class=\"container-fluid pb-lg\">\n        <div class=\"row justify-content-lg-center\">\n            <div class=\"col-lg-8 col-xl-7 icon-house-after\">&nbsp;<\/div>\n        <\/div>\n    <\/div>\n\n<!--    --><!--        <div class=\"admin-message\">Populate content in the sidebar for this block to start taking shape!<\/div>-->\n<!--    -->\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>About this issue The identification of redlining risk and\/or violations is critically important at this time. In America, homeownership is the key to financial stability as well as other opportunities, such as home equity for college education, home repairs, medical bills, small business loan collateral, or retirement. Unfortunately, the Black\/White homeownership gap is currently as [&hellip;]<\/p>\n","protected":false},"featured_media":4985,"template":"","meta":{"_acf_changed":false},"class_list":["post-4641","issue","type-issue","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Redlining - NFHA<\/title>\n<meta name=\"description\" content=\"About this issue The identification of redlining risk and\/or violations is critically important at this time. In America, homeownership is the key to financial stability as well as other opportunities, such as home equity for college education, home repairs, medical bills, small business loan collateral, or retirement. Unfortunately, the Black\/White homeownership gap is currently as [&hellip;]\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nationalfairhousing.org\/issue\/redlining\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Redlining - NFHA\" \/>\n<meta property=\"og:description\" content=\"About this issue The identification of redlining risk and\/or violations is critically important at this time. 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