Redlining

Redlining is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying access to jobs to residents in particular, often racially determined, areas. The term "redlining" was coined in the late 1960s by John McKnight, a Northwestern University sociologist and community activist. It refers to the practice of marking a red line on a map to delineate the area where banks would not invest; later the term was applied to discrimination against a particular group of people (usually by race or sex) irrespective of geography. During the heyday of redlining, the areas most frequently discriminated against were black inner city neighborhoods. For example, in Atlanta in the 1980s, a Pulitzer Prize-winning series of articles by investigative-reporter Bill Dedman showed that banks would often lend to lower-income whites but not to middle- or upper-income blacks. The use of blacklists is a related mechanism also used by redliners to keep track of groups, areas, and people that the discriminating party feels should be denied business or aid or other transactions. In the academic literature, redlining falls under the broader category of credit rationing.

Reverse redlining occurs when a lender or insurer targets minority consumers, not to deny them loans or insurance, but rather to charge them more than could be charged to a comparable majority consumer whose business is more sought after.

Read more about Redlining:  History, Impact, Challenges, Current Issues, Liquorlining

Other articles related to "redlining":

Equilibrium Credit Rationing - Stiglitz and Weiss - Redlining
... Redlining is a different situation, as it is not the result of adverse selection ... In fact, the bank can perfectly distinguish between the different types of buyers according to some criterion ...
Institutional Discrimination In The United States Housing Market - Federal Housing Administration - Systematic Redlining
... The invention of redlining is often credited to the Home Owners Loan Corporation (HOLC), which designed a rating system for neighborhoods ... Due to redlining, minority and black neighborhoods receive less economic assistance than other neighborhoods in terms of loans and mortgage money as economically ...
Redline (disambiguation)
... also refer to Redline, a dietary supplement produced by Vital Pharmaceuticals Redlining, the practice of discrimination by denying or increasing the cost of services ...
Civil Rights Act Of 1968 - Redlining
... Redlining is related to steering because it is denying financial support and services to neighborhoods based on race, ethnicity, or economic status ... areas or only giving them information on certain racial areas, redlining was a blatant but legally tolerated criteria for financial institutions to decide where to ... Redlining is still practiced today on a more subtle level ...
Redlining - Liquorlining
... effects on a community, that can be considered to be a form of "reverse redlining." The term "liquorlining" is sometimes used to describe high densities of ... However, unlike redlining, this is usually not illegal ...