1. The document discusses how racial inequalities from practices like redlining have contributed to disparities in credit access and rates of foreclosure among minority communities. 2. Maps show how redlining historically denied services to minority neighborhoods and how areas of high foreclosure today often overlap with historically redlined areas. 3. The legacy of policies that denied equal access to credit for people of color contributed to present-day gaps in homeownership, wealth, and economic opportunity between white and minority communities.

1. REDEVELOPING SUSTAINABLE COMMUNITIES
THE NEXUS OF RACE, CLASS, AND CREDIT
The National Vacant Properties Campaign
June 2nd 2009 Louisville KY
john a. powell
Executive Director

2. INEQUALITY HAS A RACIAL FOOTPRINT
FROM REDLINING TO “REVERSE REDLINING”
FAIR AND SUSTAINABLE CREDIT
COMMUNITIES OF OPPORTUNITY
2

3. “This is today’s home-financing legacy of the Black Belt
that was created across the U.S. South in the
Reconstruction era” – Wyly et. al.
From Wyly, Moos, Foxcroft & Kabahizi, “Subprime Mortgage Segmentation in the American Urban System”
which identifies 30 metro areas with the highest prevalence of subprime lending and 3 out of 10 loan
requests are denied.

4. 4
Source: ARC Report, Race and Recession: How Inequity Rigged the Economy and
How to Change the Rules. Download at http://www.arc.org/recession/

5. REDLINING MAP OF PHILADELPHIA
5

6. From Redlining to
Reverse Redlining:
A historical view of
redlining zones in
Philadelphia and areas of
foreclosure in minority
communities.
6

7. 7

8. 8

9. 9

10. TWIN CITIES (MINNESOTA)
Source: IRP Report,
“Communities in Crisis”
http://www.irpumn.org/
uls/resources/projects/IR
P_mortgage_study_Feb.
_11th.pdf
10

11. N
W E
S
Population Change
in Wayne County
1970-2000
Legend:
City of Detroit
Highways
Counties
Population Change 1970-2000
Population Loss
0 - 500 Pop. Growth
500 - 1000 Pop. Growth
1000 - 2000 Pop. Growth 11
10 0 10 20 Miles
2,000 or More Pop. Growth

12. N
Growth of Vacant Housing Legend: W E
in Detroit 1970-2000 S
City of Detroit % of Homes Vacant
(% Vacant Housing Highways 0-3
in 1970 and 2000) Counties 3 - 10
10 - 15
Prepared by: Kirwan Institute
Source Data: U.S. Census Bureau 15 - 20
20 - 57.6
% Vacant % Vacant
1970 2000
12
8 0 8 16 Miles