![]() On the long-term effects of African-Americans being prohibited from buying homes in suburbs and building equity in the Underwriting Manual are as much a de jure unconstitutional expression of government policy as something written in law. Regulations that are written in law and published. So this was not a matter of law, it was a matter of government regulation, but it also wasn't hidden, so it can't be claimed that this was some kind of "de facto" situation. The Underwriting Manual of the Federal Housing Administration recommended that highways be a good way to separate African-American from white neighborhoods. the FHA would not go ahead, during World War II, with this development unless the developer built a 6-foot-high wall, cement wall, separating his development from a nearby African-American neighborhood to make sure that no African-Americans could even walk into that neighborhood. It was in something called the Underwriting Manual of the Federal Housing Administration, which said that "incompatible racial groups should not be permitted to live in the same communities." Meaning that loans to African-Americans could not be insured. The Two-Way Interactive Redlining Map Zooms In On America's History Of Discrimination And anywhere where African-Americans lived, anywhere where African-Americans lived nearby were colored red to indicate to appraisers that these neighborhoods were too risky to insure mortgages. and then the Federal Housing Administration and then adopted by the Veterans Administration, and these color codes were designed to indicate where it was safe to insure mortgages. And those maps were color-coded by first the Home Owners Loan Corp. comes from the development by the New Deal, by the federal government of maps of every metropolitan area in the country. On how federal agencies used redlining to segregate African-Americans So the rationale that the Federal Housing Administration used was never based on any kind of study. In fact, when African-Americans tried to buy homes in all-white neighborhoods or in mostly white neighborhoods, property values rose because African-Americans were more willing to pay more for properties than whites were, simply because their housing supply was so restricted and they had so many fewer choices. There was no basis for this claim on the part of the Federal Housing Administration. And therefore their loans would be at risk. The Federal Housing Administration's justification was that if African-Americans bought homes in these suburbs, or even if they bought homes near these suburbs, the property values of the homes they were insuring, the white homes they were insuring, would decline. Your purchase helps support NPR programming. Ready to jumpstart your business in Dublin? Find a WeWork in Dublin today.Close overlay Buy Featured Book Title The Color of Law Subtitle A Forgotten History of How Our Government Segregated America Author Richard Rothstein Plus, WeWork members enjoy access to a 400,000-strong network of potential collaborators. Amenities including front-desk assistance, free-flowing coffee, and business-class printing services put everything in one place, so you can focus on your to-do list. Our flexible rent agreements cater to teams of all sizes, while our portfolio of locations helps you expand in this city, and around the world. From art-filled business lounges and bookable meeting rooms, to custom artwork and soft furnishings, your team will be productive and invigorated here. Professionals in this city are at home in our Dublin workspaces-drawn by our elevated designs and innovative approach to the workday. A similar mix of tradition and forward-thinking is felt in WeWork locations in Dublin, with down-to-earth community and modern amenities. Giants like Microsoft, Google, Amazon, and Facebook have their European headquarters in Dublin-and Guinness has been brewing here since 1759. Welcome to Dublin, Ireland’s leading financial district with deep roots in music, art, and literature.
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