The IRE Resource Center is a major research library containing more than 23,250 investigative stories — both print and broadcast. These stories are searchable online or by contacting the Resource Center directly (573-882-3364 or rescntr@ire.org) where a researcher can help you pinpoint what you need. Browse or search the tipsheet section of our library below. Stories are not available for download but can be easily ordered by contacting the Resource Center:
Search results for "redlining" ...
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"Racial disparities in home lending"
A 2008 analysis of more than half a million home loan applications in the Dayton, Ohio, region revealed that blacks with higher incomes were denied home loans, while lower-income whites were not. The report also found that blacks were more likely to receive "high-cost loans" than whites. The real estate market denies redlining practices that were made illegal "in 1977 by the federal Community Reinvestment Act."
Tags: Home Mortgage Disclosure Act; NICAR; GIS; Community Reinvestment Advisory Group; Dean Lovelace; Dayton Human Relations Commission; Federal Housing Authority; home loans; redlining
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Swimming with Sharks: Subprime lenders put the bite on Baltimore's poorest homeowners
"In the 1970's, there was the original 'redlining' - financial institutions literally drawing red lines around African-American neighborhoods in which they refused to make loans...In recent years, a new twist on redlining has emerged, and once again low-income, mostly African-American residents are it target." Baltimore's City Paper takes a look at the process of predatory-lending that takes place within the inner-city thanks to 'subprime' mortgages. Subprime mortgages are high-interest, high fee loans that trap low-income in a cycle of hidden costs, defaults on loans, and foreclosure.
Tags: home mortgages; mortgage lending; housing
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Kozmo's digital dividing lines, Kozmo.com hit with lawsuit in wake of MSNBC.com probe
A MSNBC.com investigation of Kozmo.com, a company that promises to deliver books, music, and videos "from the Internet to your door in under an hour," reveals that "in the cities it serves, the company does not offer delivery to many neighborhoods with concentrations of black residents." Kozmo.com claims that the company only looks at Internet usage when deciding what areas to serve, but it has been unwilling to turn over this data. Civil Rights experts claim that Kozmo.com is engaging in "redlining" a discriminatory practice once used by insurance companies and banks prior to the Civil Rights Movement in the 1960s. Following the publication of its piece, MSNBC.com reports that two Washington D.C. residents and a Washington D.C. based advocacy group have filed a class action lawsuit against Kozmo.com for discrimination.
Tags: discrimination; Kozmo.com; Washington D.C.; Civil Rights; Internet; Redlining; digital divide
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1991 IRE TV Award Winners and Finalists Tape.
The 1991 IRE TV Award Winners and Finalists Tape is a compilation of 5 investigative stories. 1.) "Televangelists," Prime Time Live, ABC News investigates the business practices of three highly successful and prominent televangelists who capitalize on the beliefs of their followers and collect millions of dollars in tax-free donations each year; reveals phony faith healings and high-pressure money-making schemes. See #8402. 2.) "The Great American Bailout," PBS Frontline and The Center for Investigative Reporting San Francisco reports on the Resolution Trust Corporation and how it is ignoring the needs of low-income families in its bailout of the savings and loans program. See # 8259, 8260, 8261 and 8262. 3.) "Signed Sealed and Suckered," WDHD Boston uncovers rampant redlining of minority neighborhoods and a pattern of discrimination by home improvement contractors and second mortgage lenders, charging inflated prices for shoddy work and loan interest rates of 24 %. See # 8334. 4.) "Down the Drain," WKRN, Nashville looks at the city's water and sewer department and finds hundreds of thousands of dollars in rate payers' money wasted and "Good Ole' Boy" connections. See # 8231. 5.) "Trash Fraud in Onodaga County," WSTM, Syracuse N.Y. finds fraud within the trash hauling industry in Onondaga County, N.Y. The hauling company places weights in its trucks in order to cheat the system. See # 8171.
Tags: TAPE; ire; car; religion; telemarketing; legal discrimination; construction; garbage.
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No title (id: 13151)
Black home-loan applicants in New Jersey are more likely to be rejected than their white counterparts, regardless of income. In this two-year probe into economic discrimination in New Jersey, the Asbury Park Press finds that home loan lenders use subtle, but questionably legal, methods to redline minority and lower-income neighborhoods. (May 22, 1994-Sept. 24, 1995)
Tags: D'Ambosio Hill Crotti CAR The Mortgage Game Federal Reserve Discrimination Racism 85 pgs.
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No title (id: 12482)
The Union-Tribune examines illegitimate business expenditures of the two top administrators of the San Diego Museum of Art, a nonprofit public institution on public land and dependent on public support. (Oct. 8 - 9, 11, 13, 15 - 18, 21, 28, 1995)
Tags: Turegano CAR Arts & ledgers Contest entry Taxes Museum trustees Not-for-profit Redlining 31 pgs.
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No title (id: 12376)
Allegations are made against American Family Insurance, a leading Madison-based homeowner's insurance firm, because data shows a dramatic drop in market shares in the central city. The issue has taken national significance since eight black homeowners filed a lawsuit in 1990. This case is seen as the leading case in the U.S. on discrimination in insurance. (June 15, 1993)
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No title (id: 12351)
The Miami Herald looks at how many of Florida's biggest banks in 1991 rejected black mortgage applicants at a higher rate than the year before based on Federal Reserve Board records. The records showed blacks in Florida in 1990 were almost twice as likely to be turned down as non-Hispanic whites, even when income was taken into account. (Dec. 7, 1992)
Tags: Adams Doig CAR Redlining Loans Minorities Discrimination 2 pgs.
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A Question of Color: Thirty years after 'The Dream'
The Akron Beacon Journal reports that "Many whites are tired of hearing about it. Most blacks wish it would go away. All seem powerless to move it. Thirty years after the Rev. Martin Luther King Jr. described his dream of a colorblind America, race seems as huge and divisive a force as ever... We selected five areas where differences between blacks and whites in our community could be measured - overall attitudes, housing, education, economics and crime."
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No Checks or Balances
The Asbury Part Press reports that "Amid mergers and closings, the banking world is in turmoil. As the smoke clears, one fact emerges--N.J. banks are closing more branches in predominantly minority areas, even those with strong economies. A four-day Press series looks at the politics of branch placement and the impact on the communities left behind."
Tags: CAR discrimination redlining racism business minorities financial services demographics