The Interest to Homeownership between Housing Discrimination and Discriminatory Mortgage Lending

Angela Mendola

Banca Impresa Società, 2025, issue 2, 303-331

Abstract: The focus on equitable housing distribution is not a recent issue, but rather a complex matter with a long history and numerous developments, particularly in the United States, where, through contracts for deed, rent-to-own, and lease-purchase agreements, the inclination toward homeownership has always been a prevailing aspiration. This paper addresses the issue known as housing discrimination – both proxy and by disparate impact also through algorithmic redlining – as well as the discriminatory mortgage lending. After examining various Federal Fair Housing cases, the study outlines an «appropriate relief», not limited to compensatory damages, but extended to include punitive damages.

Keywords: Homeownership; Housing Discrimination; Discriminatory Credit Scoring Mortgage Lending; Federal Fair Housing Cases; Appropriate Relief (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:mul:jqmthn:doi:10.1435/115854:y:2025:i:2:p:303-331

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