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What is modern-day redlining?

What is modern-day redlining?

Modern-day redlining is a term which is used to describe the activities, policies, and practices
of lenders. While historical redlining was considered an explicit, legally recognized policy,
modern-day redlining looks at the institution’s location of branches, advertising efforts, and where loan officers are placed. Activities appear not to discriminate but have a discriminatory effect.

Fair and Inclusive Mortgage Lending Outreach is the premier 2023 resource guide for implementing fair lending goals. Covers modern-day redlining, appraisal equality, marketplace demographics, credit needs assessment, peer analysis, product enhancement, community outreach, and preparing for an examination. PDF format with dozens of infographics and links to resources.

First published on 07/23/2023

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