Page "Racial segregation" Paragraph 73

Redlining is the practice of denying or increasing the cost of services, such as banking, insurance, access to jobs, access to health care, or even supermarkets to residents in certain, often racially determined, areas.

The most devastating form of redlining, and the most common use of the term, refers to mortgage discrimination.

Over the next twenty years, a succession of further court decisions and federal laws, including the Home Mortgage Disclosure Act and measure to end mortgage discrimination in 1975, would completely invalidate de jure racial segregation and discrimination in the U. S., although de facto segregation and discrimination have proven more resilient.

According to the Civil Rights Project at Harvard University, the actual de facto desegregation of U. S. public schools peaked in the late 1980s ; since that time, the schools have, in fact, become more segregated mainly due to the ethnic segregation of the nation with whites dominating the suburbs and minorities the urban centers.

According to Rajiv Sethi, an economist at Columbia University, black-white segregation in housing is slowly declining for most metropolitan areas in the US Racial segregation or separation can lead to social, economic and political tensions.

Thirty years ( the year 2000 ) after the civil rights era, the United States remained in many areas a residentially segregated society, in which blacks, whites and Hispanics inhabit different neighborhoods of vastly different quality.