Federal policies like the Home Owners' Loan Corporation (HOLC) and the Federal Housing Administration (FHA) played a significant role in institutionalizing racial segregation in housing. These agencies engaged in practices such as redlining, where predominantly Black neighborhoods were marked as high-risk and thus denied access to mortgage loans. This discrimination not only restricted home ownership opportunities for Black families but also facilitated white flight to suburban areas, as these policies favored white homeowners. As a result, the housing market became increasingly segregated, entrenching economic and social disparities that still impact communities today.
Federal policies, such as the Home Owners’ Loan Corporation (HOLC) and the Federal Housing Administration (FHA), institutionalized racial segregation in housing by promoting redlining practices and discriminatory lending practices that denied mortgage loans to predominantly Blasimplifyck neighborhoods while encouraging white flight to suburbs.
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