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In the past decade, the Home Owners' Loan Corporation's (HOLC) so-called 'redlining' maps have gone from a niche corner of urban historical scholarship to the centre of mainstream narratives about racism in the United States. In this paper, I map this journey and trace the contours of the ongoing debates that have emerged, identifying two competing camps I call 'HOLC Culpablism' and 'HOLC Scepticism'. Finding these perspectives to have run up against their self-imposed limitations, I outline a research agenda that breaks from the debate's narrow confines by envisioning HOLC's mapping materials anew. My proposed approach recasts the maps and their accompanying field notes as windows into the governing racial–spatial ideology of 20th-century US real estate capital. In doing so, it invites researchers to reimagine the map grades as dynamic categories reflecting a particular spatiotemporal conception of value that is highly contingent on an area's estimated racial trajectory. This reformulation, I argue, not only opens new possibilities for studying the HOLC mapping programme but suggests that the power of these maps has almost certainly been underestimated. [ABSTRACT FROM AUTHOR]

The New Deal era's Home Owners Loan Corporation (HOLC) programme has garnered notoriety for denying Black communities financial investment based on their race through the practice known as redlining. It is possible that redlining influenced future investment in these neighbourhoods by making them more appealing to gentrifiers through creating a rent gap or increasing the percentage of non-White populations. To explore the link between HOLC redlining and gentrification, we drew upon a sample of 58 cities across the United States from the Mapping Decline project. We also leveraged historical Census data collected by IPUMS and the Longitudinal Tract Database, as well as data on urban renewal from Renewing Inequality to control for intervening factors. Findings indicate that HOLC redlining can either directly or indirectly relate to gentrification depending on when gentrification begins. These findings encourage more consideration of the role of racist government policies in determining when gentrification will occur. [ABSTRACT FROM AUTHOR]

We provide an example of how race- and place-based legacies of disinvestment initiated by New Deal Era redlining regimes under the auspices of the Home Owners' Loan Corporation (HOLC) were followed by decades of anti-gang over-policing tactics at the scale of the neighbourhood. We show how HOLC-mediated and mapped redlining has sustained community disinvestment and stigmatisation wrought by unjust and racist social policy seen to this day in contemporary geographies of gang abatement in the form of mapped gang injunction 'safety zones'. As we illustrate with the use of two case studies from Los Angeles – in South-Central LA and LA's San Fernando Valley – it is overwhelmingly redlined neighbourhoods that have remained marginalised, becoming civilly enjoined 'gang' neighbourhoods faced with oppressive anti-gang policing tactics over the past few decades. [ABSTRACT FROM AUTHOR]

The 1977 Community Reinvestment Act (CRA) established a bold agenda requiring financial institutions in the USA to serve the credit needs of low- and moderate-income areas, including traditionally excluded minority residential areas. Initially opposed by both bankers and the federal regulatory authorities responsible for enforcement, the CRA has been contentious for decades. This study explores CRA impacts by investigating whether small businesses located in minority neighbourhoods have the same degree of bank-loan access as equally creditworthy firms located in other environs. We analysed both the unmet credit needs of small firms and the outcomes of their loan applications. We found that equality in loan access has been attained in some respects, indicating the CRA has had positive effects on loan availability. Inequality nonetheless persists. Regarding unmet credit needs, firms are penalised if their owners are African American, Latino or Asian American. Since roughly half of owners in minority communities are minorities, our challenge was to disentangle the effects on loan access of small-business geographic location versus owner race. Causal factors underlying our findings were investigated. Did bank regulators take the initiative in lessening traditional discriminatory lending practices? Alternatively, were activist community groups responsible? While the agenda advocated by activist groups coincides closely with actual gains, the overlapping but differing stated objectives of regulators did not. [ABSTRACT FROM PUBLISHER]