The brand new FHA ‘s the other number one offender getting instituting and intensifying redlining
Gioielli’s key disagreement would be the fact HOLC maps cannot be a primary offender away from lingering redlining while the HOLC as well as authorities are a lot of time inactive and you can moved. But not, it was new FHLBB you to commissioned HOLC charts, organized defense chart workshops, and served do it yourself applications into the greenlined neighborhoods. And this, the fresh FHLBB/FHLBS try an initial culprit accountable for launching competition-centered area scores into financial system and you may lifting greenlined elements if you’re none remediating neither fixing the damage they inflicted into the redlined components.