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An advertisement emphasizes information meant to appeal to a particular ethnic, or national group in an effort to maintain the character of the neighborhood. from the viewpoint of the federal Fair Houding Act, this could constitute a violation known as

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Answer:

Redlining is a discriminatory practice that puts services (financial and otherwise) out of reach for residents of certain areas based on race or ethnicity. It can be seen in the systematic denial of mortgages, insurance, loans, and other financial services based on location (and that area’s default history) rather than on an individual’s qualifications and creditworthiness. Notably, the policy of redlining is felt the most by residents of minority neighborhoods.

Explanation:

Key takeaways

  • Redlining is the discriminatory practice of denying services (typically financial) to residents of certain areas based on their race or ethnicity.
  • Under fair lending laws, these factors cannot be used for making lending or underwriting decisions
  • Redlining is most often associated with mortgage lending practices, but can also be seen in student loans, business loans, car loans, and personal loans
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