Program
Home Owners' Loan Corporation (HOLC)
Created to refinance home mortgages during the Great Depression and produced residential security maps that contributed to redlining practices.
Year
1933
Impact
Negative
Status
Expired
Party
Democratic Party
Era
Jim Crow and Disenfranchisement
Impact Context
Helped stabilize housing markets but institutionalized discriminatory lending patterns.
What This Policy Did
Helped stabilize housing markets but institutionalized discriminatory lending patterns.
Evidence and Linked Records
Federal Reparations Direct Compensation Act
Critical • Idea • 1 linked bills
Redlining Reparations and Homeownership Equity Act
Critical • Idea • 3 linked bills
Black Business Equity and Capital Access Act
High • Idea • 1 linked bills
Black Homeownership and Appraisal Fairness Act
High • Idea • 2 linked bills
Black Wealth Restoration and Baby Bonds Act
High • Idea • 1 linked bills
HBCU Capital and Research Equity Act
High • Idea • 6 linked bills
HBCU Endowment and Tuition Reparations Act
High • Idea • 1 linked bills
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Sources
Government
U.S. Department of Housing and Urban Development • Government • Jan 1, 2024
HUD legislative chronology stating that the Home Owners Loan Act of 1933 created the Home Owners' Loan Corporation to refinance mortgages for homeowners facing foreclosure during the Depression.
National Community Reinvestment Coalition • Nonprofit • Mar 20, 2018
NCRC overview of HOLC residential security maps and their long-term relationship to segregation and economic inequality.
U.S. Department of Housing and Urban Development • Government • Apr 1, 2025
HUD training material explaining that HOLC was created to prevent foreclosures and later developed residential security maps that graded neighborhoods for lending risk.