Lender Discrimination or "Redlining" Lawyers

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What Is Lender Discrimination or "Redlining"?

Redlining is a form of illegal lender discrimination premised on denying mortgage loans or restricting their number for certain low-income, minority communities. Lending institutions often achieve this inequity through aggressive sales tactics and manipulation of borrowers' lack of understanding of extremely complicated financing transactions. Lender discrimination in the form of redlining mirrors outright fraud.

Examples of Redlining Practices

Although redlining practices can take many forms, there is always one common ingredient: exploitation of the minority or lower income borrower. The following are common redlining methods:

Stopping Lender Discrimination or Redlining 

Congress and state legislatures have responded to redlining practices by passing strong anti-predatory lending legislation that protects consumers from abusive lending practices, which have been especially targeted at low-income and minority communities. The following are some of the more prominent federal statutes addressing redlining:

Seeking Legal Help as a Victim of Lender Discrimination

If you feel that you have been the victim of lender discrimination, you should contact either a public credit counseling organization or the Department of Housing and Urban Development (HUD). It may also be wise to consult with a lawyer experienced in redlining and lender discrimination who will help to explain your legal rights and any possible legal remedies.

Vea esta página en español: Discriminación del Prestamista o Redistribución o visita Abogados-Leyes.com para más información legal.

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Last Modified: 02-27-2014 03:05 PM PST

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