🖤🤎 The Melanation Project… Redlining and the rules that built segregation The System: In the 1930s and 1940s, federal housing policy helped separate where people could live and build wealth. Two pillars were the Home Owners’ Loan Corporation (HOLC) “residential security” maps that graded neighborhoods, and the Federal Housing Administration (FHA) underwriting rules that warned against the “infiltration of inharmonious racial groups” and promoted racially restrictive covenants.  The Receipts (
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