Housing

Redlining and Black Homeownership

How federal housing policy, lending practices, and appraisal systems blocked Black families from building wealth through homeownership.

Impact Context

Housing is one of the clearest examples of how public policy built wealth for some communities while excluding others.

Housing is one of the clearest examples of how public policy built wealth for some communities while excluding others.

Home Owners' Loan Corporation (HOLC)

Policy • Program • 1933

National Housing Act of 1934 (FHA Creation)

Policy • Law • 1934

Housing Act of 1949

Policy • Law • 1949

Fair Housing Act of 1968

Policy • Law • 1968

Home Mortgage Disclosure Act

Policy • Law • 1975

Community Reinvestment Act of 1977

Policy • Law • 1977

Redlining Reparations and Homeownership Equity Act

Future Bill • Critical • Idea

Black Homeownership and Appraisal Fairness Act

Future Bill • High • Idea

This page is meant to stand on its own. The link is stable and readable out of context.

https://equitystack.org/card/explainer/redlining-black-homeownership

National Community Reinvestment Coalition • Nonprofit

Overview of HOLC maps and their long-term impact.

U.S. Department of Housing and Urban Development • Government

HUD background on FHA history and mortgage access.