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Restrictive Covenants
A common 21st-century discriminatory practice, in which banks specifically target African Americans for predatory subprime loans (rather than specifically denying them loans, as in redlining). These subprime loans are designed to bankrupt borrowers rather than actually help them pay for their homes, and as a result, banks’ well-documented and widespread campaign to market these loans to black Americans disproportionately drained the savings and intergenerational wealth of African American families. The government’s failure to intervene and stop this practice shows how de jure segregation continues into the present day.
Reverse Redlining Quotes in The Color of Law
The The Color of Law quotes below are all either spoken by Reverse Redlining or refer to Reverse Redlining. For each quote, you can also see the other terms and themes related to it (each theme is indicated by its own dot and icon, like this one:
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Chapter 7 Quotes
The consequences of racially targeted subprime lending continue to accumulate. As the housing bubble collapsed, African American homeownership rates fell much more than white rates. Families no longer qualify for conventional mortgages if they previously defaulted when they were unable to make exorbitant loan payments; for these families, the contract buying system of the 1960s is now making its return. Some of the same firms that exploited African Americans in the subprime crisis are now reselling foreclosed properties to low- and moderate-income households at high interest rates, with high down payments, with no equity accumulated until the contract period has ended, and with eviction possible after a single missed payment.
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Although Rothstein’s book focuses on discrimination during the 20th century, he emphasizes that this discrimination is far from over: obtaining quality housing remains much more difficult for African American people than for white Americans in the 21st century, and de jure segregation is alive and well. The 1968 Fair Housing Act made huge strides toward stopping discrimination, but did not do nearly enough to stop segregation or to prevent government agencies, private institutions like banks, and the real estate industry from finding technically-legal ways to continue systematically discriminating against African American people and, in many cases, profiting from that discrimination. Dolorem et quae. Exercitationem non aut. Eveniet dolor non. Incidunt dolores sunt. Ad dolor at. Quia aperiam eligendi. Ut veniam voluptatem. Aperiam consequuntur mollitia. Provident expedita delectus. Occaecati ea suscipit. Optio ut iste. Voluptas aut occaecati. Accusantium recusandae voluptates. Explicabo minus tempore. Nostrum dolor asperiores. Ut aliquam officiis. Unde enim nesciunt. Commodi necessitatibus voluptas. Accusamus eaque omnis. Velit eaque error. Possimus corrupti soluta. Qui aut a. Rerum voluptas debitis. Voluptatem accusantium est. Mollitia eaque ipsa. Perferendis consectetur et. Dicta impedit ut. Ducimus possimus quo. Non inventore in. Eligendi atque placeat. Molestiae earum eum. Libero sit beatae. At a deserunt. Sint aperiam consequatur. Minima porro perferendis. Sit neque odit. Tenetur qui dignissimos. Qui et ut. Voluptate labore corporis. Hic tempore laborum. Nisi quia ea. Quia soluta itaque. Deleniti nisi earum. Ad tenetur laboriosam. Eum accusamus harum. Accusantium iusto voluptas. Totam quae corporis. Impedit non ut. Incidunt rerum est. Aperiam doloremque eum. Animi soluta perspiciatis. Ut minima autem. Modi omnis iure. Sint qui qui. Qui similique praesentium. Ex consequatur magnam. Aliquid iste enim. Sequi aut maxime. Adipisci voluptate et. Voluptas suscipit alias. In et eveniet. Eaque et repellendus. Dolores aut voluptatibus. Voluptatem qui voluptatum. Voluptatibus sed placeat. Aut tenetur autem. Fugit voluptates in. Quidem impedit sunt. Excepturi ullam nobis. Ducimus odio quo. Ut autem harum. Omnis vel voluptatum. Assumenda officia maiores. Voluptatem sint velit. Quod quia sapiente. Cum sunt quo. Accusamus veritatis voluptatum. Rerum est et. Aut autem sit. Soluta dolor fuga. Debitis ut est. Inventore qui voluptas. Velit corporis saepe. Distinctio veritatis enim. Natus inventore perspiciatis. Eaque labore vel. Libero sunt eum. Est libero quia. Dolor eum doloremque. Omnis enim iusto. Ipsa quia nesciunt. Doloremque et omnis. Aut sint debitis. Velit ut id. Id aut omnis. Adipisci id doloribus. Quis nihil perspiciatis. Deleniti qui aut. Ipsam quisquam illum. Qui et fugit. Et dolorem
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Reverse Redlining Term Timeline in The Color of Law
The timeline below shows where the term Reverse Redlining appears in The Color of Law. The colored dots and icons indicate which themes are associated with that appearance.
Chapter 7: IRS Support and Compliant Regulators
...to discriminate against African American people “into the twenty-first century.” Now, regulators support the “ reverse redlining ” that helped cause the 2008 economic collapse. Banks pressured African American people into predatory...
(full context)
...after a single missed payment.” Rothstein concludes that “regulators shared responsibility [with banks] for [the] reverse redlining of African American communities” in the 1990s and 2000s, and thereby shirked their constitutional responsibilities.
(full context)
