On April 21, 2023, President Joe Biden issued the Executive Order on Revitalizing Our Nation’s Commitment to Environmental Justice for All (E.O. 14096), which states, “To fulfill our Nation’s promises of justice, liberty, and equality, every person must have clean air to breathe; clean water to drink; safe and healthy foods to eat; and an environment that is healthy, sustainable, climate-resilient, and free from harmful pollution and chemical exposure.” Redlining is a form of environmental racism that has hindered and continues to frustrate this country’s promise-keeping abilities. Although, as a nation, the United States is attempting to rewrite the wrongs of the past and move away from the nation’s more colorful history, the effects of this discriminatory and racial practice are experienced in the lives of millions of Americans today.
Dr. Benjamin Chavis, who coauthored the 1987 landmark report Toxic Wastes and Race in the United States, originally coined the term environmental racism as the intentional siting of polluting and waste facilities in communities primarily populated by African Americans, Latines, Indigenous people, Asian Americans and Pacific Islanders, migrant farmworkers, and low-income workers. This definition was then expanded by Dr. Robert D. Bullard, known as the father of environmental justice, as any policy, practice, or directive that differentially affects or disadvantages (where intended or unintended) individuals, groups, or communities based on race. Redlining is more than a tool used to prevent African Americans and other racial minorities from getting home loans and mortgages in more desirable white communities. Redlining has been used as a weapon to propagate systemic racism to keep minorities from building wealth and owning homes, as a form of housing segregation keeping minorities separate from majority white communities—in turn lessening the amount of reinvestment in these communities, and thus serving as a cyclical mechanism keeping certain communities underserved, overburdened, and impoverished. It is important to understand the vestige of redlining to see how we got here and determine a way out.
In the 1930s, in the wake of the Great Depression, the New Deal created the National Housing Act of 1934, which created the Federal Housing Authority (FHA). The FHA went on to introduce the 30-year mortgage and low-fixed interest rates, which helped lower-income people rebounding from the Great Depression afford homes. The Home Owners’ Loan Corporation (HOLC) was created to help provide security that these new homeowners did not default on their mortgages. HOLC created residential security maps—the precursor of redlining. The map legend key for these security maps provided a color coding to delineate the areas for the cities. There was green, which meant “best, best area, best people” business people, blue for “good area, good people” for blue-collar families, yellow meant a “declining area” with working-class families, and red meant “hazardous, detrimental influences, foreign-people, low-class whites, and negroes.” People who lived in these redlined areas were not necessarily more likely to default on their mortgages, but redlining did make it difficult, if not impossible, to buy or refinance.
Redlining was used as a tool of racial separation and segregation to exclude certain people from certain neighborhoods, similar to restrictive racial covenants. In the early 1900s, before the New Deal, restrictive racial covenants were private contracts between individuals dictating to whom property would be sold. A covenant is a legally enforceable contract in a deed. A majority of these covenants were aimed at minorities, African Americans specifically, controlling where they might live. Restrictive racial covenants were created in response to the Great Migration during the 1910–1940s, with millions of African Americans leaving the South, fleeing oppression and racism for a more hopeful future sought in the West, North, and Midwest. The response of federal, state, and local governments was to contain minorities to their own communities. With redlining taking the place of restrictive covenants, in order to get a green designation, “the best,” with the residential security maps, a restrictive covenant had to be in place, which derived from the FHA Underwriting Manual. In 1948, in Shelley v. Kraemer, the U.S. Supreme Court ruled that restrictive covenants in real property deeds that prohibited the sale of property to non-Caucasians unconstitutionally violated the Equal Protection provision of the Fourteenth Amendment.
In 1968, Dr. Martin Luther King Jr. was assassinated, and, in the aftermath of his death, Congress passed the Fair Housing Act of 1968. The Fair Housing Act made racially restrictive covenants illegal, encouraged equal housing opportunities for all people, and offered protections for future homeowners and renters. During the time that racially restrictive covenants and redlining were in place, landlords abandoned their properties, city services declined, crime increased, and property values dropped as whites were able to move to the brand new suburbs, a.k.a. “white flight,” while the inner-city redline communities declined. This happened so much that the federal government coined a phrase to redevelop these communities, known as urban renewal. Land redevelopment during the 1950–70s by the Housing and Urban Development Corporation to address urban decay was infamously called “Negro removal” by the late civil rights activist James Baldwin.