KEY VOCABULARY
This term describes the practice of denying services or investment to certain neighborhoods based on race.
What is redlining?
This New Deal–era policy helped label Black neighborhoods as “high risk” for investment.
What is the Home Owners’ Loan Corporation (HOLC)?
Redlining caused many Black neighborhoods to experience this economic outcome.
What is disinvestment?
True or False: Redlining still affects neighborhoods today even though it was outlawed.
What is True?
Credit scores today are shaped by historical access to this wealth-building opportunity.
What is homeownership?
This term refers to the process where wealthier residents move into historically low-income neighborhoods, raising costs.
What is gentrification?
These clauses in housing deeds legally prevented homes from being sold to non-white buyers.
What are racially restrictive covenants?
Because of discriminatory lending, Black families were often blocked from building this over generations.
What is generational wealth?
Black mortgage applicants are approximately how many times more likely to be denied than white applicants with similar qualifications?
What is about 2 times as likely?
Local zoning laws can maintain racial inequality by restricting this type of housing development.
What is affordable or multi-family housing?
This term refers to the process where wealthier residents move into historically low-income neighborhoods, raising costs.
What is displacement?
This 1968 law made housing discrimination illegal in the U.S.
What is the Fair Housing Act?
Historically redlined areas today often have poorer outcomes in this area of well-being.
What is health?
This U.S. region has experienced intense gentrification and displacement in Black communities.
What is the San Francisco Bay Area?
Understanding housing inequality helps students develop this key skill emphasized in Teaching for Justice.
What is critical consciousness?
This financial agreement allows people to buy homes over time but has historically been denied to many Black Americans.
What is a mortgage?
Banks and governments used this practice to deny loans based on neighborhood race, not individual income.
What is institutionalized redlining?
Gentrification often results in this loss for long-term residents.
What is affordable housing?
Studies show redlined neighborhoods face higher exposure to this environmental risk.
What is pollution?
Gentrification is often described as “development,” but for many residents it results in this loss.
What is community stability?
This term describes the physical separation of racial groups into different neighborhoods due to policy and practice.
What is housing segregation?
For decades, housing discrimination was not just allowed but actively supported by this level of authority.
What is the federal government? :O
Housing discrimination impacts access to jobs, healthcare, and this major social institution.
What is education?
Since 1980, gentrification has led to the loss of hundreds of thousands of Black residents from these neighborhoods.
What are historically Black neighborhoods?
Past housing policies help explain why many neighborhoods today are still racially and economically divided.
What is the legacy of redlining?