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IME OF FINANCIAL CRISIS RICHARD D. MARSICO I. Introduction Congress passed the Home Mortgage Disclosure Act ( HMDA )1 in 1975 as a tool to end redlining. Redlining is a broad term that covers many different practices. In the context of the passage of HMDA, redlining is a lender s refusal to lend, or lending on more onerous terms, in urban, older, low-income or predominantly minority neighborhoods, not based on an individualized analysis of the loan applicant s eligibility for the lo.
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