10.2190/GPPK-CCPT-H3X4-7228 GPPKCCPTH3X47228 5 The Unintended Impacts of Anti-Redlining Legislation 341 350 20020509 20020509 20020509 20020509 GPPKCCPTH3X47228.pdf http://baywood.metapress.com/link.asp?target=contribution&id=GPPKCCPTH3X47228 4 Risa Palm James Corbridge University of Colorado, Boulder Federal and state legislation intended to curb the practice of geographic loan discrimination or redlining may have the unintended and undesirable effect of preventing mortgage originators from using environmental characteristics as criteria in lending evaluations. Since the California fault rupture zones (special studies zones) do not contain systematic concentrations of poor, black, or elderly households, they should be targets for differential lending policies, such as mandatory earthquake insurance or structural reinforcements as conditions for mortgage loans. A clarification of the wording of the Housing Financial Discrimination Act is needed to alleviate some of the present potentially damaging effects of failing to discourage residential investment in surface fault rupture zones. D. Dingemans, Redlining and Mortgage Lending in Sacramento, <i>Annals, Association of American Geographers, 59</i>, pp. 225-239, 1979. W. F. Smith, Redlining, <i>Current Urban Land Topics</i>, Center for Real Estate and Urban Economics, Berkeley, California, 1975. M. Agelasto and D. Listokin, <i>The Urban Financing Dilemma: Disinvestment-Redlining</i>, Council of Planning Librarians, Exchange Bibliography No. 890, Monticello, Illinois, 1976. W. Petak, A. A. Atkisson and P. H. Gleye, <i>Natural Hazards: A Public Policy Assessment</i>, J. H. Wiggins Company, Redondo Beach, California, 1978. H. Kunreuther with L. Ginsberg, P. Sagi, P. Slovic, B. Bordon and N. Katz, <i>Limited Knowledge and Insurance Protection: Implications for Natural Hazard Policy</i>, John Wiley and Sons, New York, 1978. R. J. Turner, J. Nigg, D. Paz and B. Young, <i>Earthquake Threat: The Human Response in Southern California</i>, Institute for Social Science Research, University of California, Los Angeles, 1979. R. Palm, <i>Real Estate Agents and Special Studies Zones Disclosure</i>, University of Colorado, Institute of Behavioral Science, Program on Technology, Environment and Man, Boulder, Colorado, Monograph #32, 1981. D. Listokin and S. Casey, <i>Mortgage Lending and Race</i>, Rutgers University, Center for Urban Policy Research, New Brunswick, New Jersey, 1980. Grow, C. and R. Palm, Population and Housing in The Special Studies Zones, Natural Hazards Research and Application Center, University of Colorado, Special Publication #1, 1981. Lea, R. C., "State Anti-Redlining Statutes: Explanations and Possible Effects upon Disclosure of Information Concerning Earthquake-Prone Areas," unpublished paper, University of Colorado School of Law, November 3, 1981.