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What is Redlining

Chapter 4
Encyclopedia of Data Science and Machine Learning
A community based discriminatory practice implemented by financial institutes often considered biased, derogatory, and illegal.
Published in Chapter:
Data Science for Industry 4.0
Indraneel Dabhade (O Automation, India)
Copyright: © 2023 |Pages: 14
DOI: 10.4018/978-1-7998-9220-5.ch004
Abstract
Proliferation of smart devices coupled with advances in computing technologies has aided smart decision-making. Though the term data science is of recent origin, the field utilizes cornerstone computing and statistical concepts to solve data-specific challenges. The role of a data scientist is to extract maximum information from raw data. This role has spawned across disciplines but only acts as a supplemental measure to actual domain knowledge. The field of data science encompasses analytics, artificial intelligence, and statistical modeling. Information security has not always been integral to the data science ecosystem. An increasingly connected world with heightened reliance on data has encouraged data scientists to be well-versed with data security. This article takes an overview of the commercial application using data science, machine learning, and big data.
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Chapter 13
Grassroots Organization and Justice Through Social Media
The practice of denying a creditworthy applicant a loan for housing in a certain neighborhood even though the applicant may otherwise be eligible for the loan. The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans (Fair Housing Act).
Published in Chapter: Grassroots Organization and Justice Through Social Media; From: Critical Perspectives on Social Justice in Speech-Language Pathology
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Chapter 8
De Facto Segregation and the Digital Divide
The practice was originally to demarcate low socio-economic minorities and black neighborhoods that were not deemed suitable for loans or further development. This concept can be extended to technology wherein schools are divided or segregated based on technological resources available to their students.
Published in Chapter: De Facto Segregation and the Digital Divide; From: Handbook of Research on Barriers for Teaching 21st-Century Competencies and the Impact of Digitalization
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Chapter 16
Competition in Broadband Provision and the Digital Divide
The practice of deliberately avoiding selling products or services (in context here, broadband Internet service) in particular neighborhoods. The term comes from the credit industry, and originally meant the refusal of a bank or other lender to extend credit to customers located in a high-risk geographical area, usually a declining inner-city neighborhood. These institutions supposedly drew red lines on maps marking off the high-risk areas.
Published in Chapter: Competition in Broadband Provision and the Digital Divide; From: Handbook of Research on Global Diffusion of Broadband Data Transmission
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