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H.O.L.C
F.D.R enacts the Home Owners Loan Corporation. Their objective was to refinance people who couldn't pay off their mortgages. This organization rated neighborhoods from A to D. They would have nothing to do with D neighborhoods. This was the beginning of redlinning, an example of De jur segregation. -
F.H.A
F.D.R established the Federal Housing Administration which gave bankers insurance that guaranteed they would be made whole if they wrote a mortgage for and F.H.A approved house. They tended to steer their attention away from cities where they believed supposedly unharmonious races and ethnicities lived. -
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Suburbanization and the New Middle Class
White's who previously lived on farms or worked in factories started venturing into the suburbs to enjoy the conveniences of the new modern life while most blacks were left in the cities. -
The Civil Rights Act
The Civil Rights Act is passed making all public segregation illegal. -
The Fair Housing Act
The Fair Housing Act is enacted making any sort of redlinning or racial discrimination involving housing illegal therefore putting an end to De jur segregation. -
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Regentrification of Cities
A combination of several factors caused property in cities to rise in value and most neighborhoods became much safer than they used to be. Many neighborhoods that were once dominated mainly by black people were converted to more affluent white neighborhoods forcing the blacks to either make enough money to afford the new housing or find somewhere else. This may account for the large amount of De Facto discrimination still seen today.