What is redlining in simple terms?

What is redlining in simple terms?

noun. a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods.

What is the difference between redlining and reverse redlining?

“Redlining is the practice of denying the extension of credit to specific geographic areas due to the income, race, or ethnicity of its residents. Reverse redlining is the practice of extending credit on unfair terms to those same communities.”

What is not protected under the Fair Housing Act?

Race, color, religion, sex, handicap, familial status, national origin. Although some interest groups have tried to lobby to include sexual orientation and marital status, these aren’t protected classes under the federal law, but are sometimes protected by certain local state fair housing laws.

Who is covered under the Fair Housing Act?

The Fair Housing Act covers most housing. In very limited circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family houses sold or rented by the owner without the use of an agent, and housing operated by religious organizations and private clubs that limit occupancy to members.

What are the requirements of the Fair Housing Act?

It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related activities. The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex, familial status, and disability.

What is rent discrimination?

Housing discrimination takes place when an individual or a group is treated adversely based on a legally protected characteristic such as their race, sex, religion, familial status, or disability. Although discrimination is illegal, many landlords continue to act prejudicially in overt and covert ways.

Can landlords discriminate against age?

In California, fair housing laws against age discrimination do not apply to people under 40. However, fair housing laws against family status discrimination protect families with children under 18.

Can you choose not to rent to someone?

People often wrongly assume that any discrimination by a landlord is illegal. Thus, in deciding to whom to rent, a landlord may lawfully reject someone with a bad rental, credit or employment record or whose income suggests that s/he will be unable to pay the rent. …

Can I rent to whoever I want?

A landlord is legally free to set whatever conditions he wants for a tenancy as long as they are reasonably related to his business needs and don’t violate antidiscrimination laws. As long as they don’t discriminate, landlords can basically choose whomever they want.

Can my landlord enter my house when I’m not there?

When you rent a property from a landlord it becomes your home. They should only enter the property without you being present, if you have given permission for them to do so, or in a genuine emergency.