Redlining

Redlining
The unethical practice whereby financial institutions make it extremely difficult or impossible for residents of poor inner-city neighborhoods to borrow money, gain approval for a mortgage, take out insurance or gain access to other financial services because of high default rates. In this case, the rejection does not take the individual's qualifications and creditworthiness into account.

In some cases of redlining, financial institutions would literally draw a red line on a map around the neighborhoods in which they did not want to offer financial services, giving the term its name. Although the Federal Community Reinvestment act was passed in 1977 to put an end to all redlining practices, critics say the discrimination still occurs.


Investment dictionary. . 2012.

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  • redlining — red·lin·ing / red ˌlī niŋ/ n 1: the illegal and discriminatory practice of refusing to lend to or insure people in a particular area (as a slum) 2: the practice of showing changes to a draft of a document by marking with red lines Merriam… …   Law dictionary

  • redlining — red‧lin‧ing [ˈredˌlaɪnɪŋ] noun [uncountable] FINANCE PROPERTY the practice of refusing to give mortgage loans or insure properties in certain areas because of the race, social class etc of the people living there: • The Consumers Union sued the… …   Financial and business terms

  • redlining — ☆ redlining [red′līn΄iŋ ] n. [from the practice of outlining such areas in red on a map] the systematic refusal by some lending institutions or insurance companies to issue mortgage loans or insurance on property in certain neighborhoods regarded …   English World dictionary

  • Redlining — [ HOLC 1936 security map of Philadelphia showing redlining of lower income neighborhoods. [The HOLC maps are part of the records of the FHLBB (RG195) at the [http://www.archives.gov/index.html National Archives II] .] Households and businesses in …   Wikipedia

  • Redlining — Cette page d’homonymie répertorie les différents sujets et articles partageant un même nom. Le redlining peut désigner: une Annotation (dessin technique) une pratique de discrimination raciale en aménagement urbain (voir redlining (en)) et… …   Wikipédia en Français

  • Redlining — Als Redlining wird die diskriminierende Praxis bezeichnet, Dienstleistungen den Bewohnern eines bestimmten Gebietes nicht oder nur verteuert anzubieten. Vom Redlining waren vor allem Wohnviertel von Schwarzen und ethnischen Minderheiten in den… …   Deutsch Wikipedia

  • redlining — n. The practice of refusing to serve particular geographical areas because of the race or income of the area s residents. Example Citation: At first, the Federal Housing Administration, the arm of the U.S. Housing and Urban Development Department …   New words

  • redlining —    American    refusing credit solely because of the place of residence of the applicant    The address is highlighted in a list, figuratively or in fact:     ... entire areas of the city, poor areas, humble areas were beyond the credit... the… …   How not to say what you mean: A dictionary of euphemisms

  • redlining — /red luy ning/, n. a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, esp. inner city neighborhoods. Also, red lining. [REDLINE + ING1, as if… …   Universalium

  • redlining — v. set limits, make restrictions, set rules which cannot be broken …   English contemporary dictionary

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