Is crosscheck a form of illegal redlining?
by Glen Wallace
Just an idea in the form of a question. I don’t know the answer, but I think that it could be a potential successful strategy to stop crosscheck by getting a court order to stop the program because it engages in the same sorts of discrimination as redlining. But in the case of crosscheck the lines are based not just on geographic boundaries but also on other indicators, namely names. But either way the intent is racial discrimination.
Well, from the little amount of research I have now done, it sounds like any redlining laws apply more specifically to just lending for home purchasing and home improvements — at least that is my limited understanding — I could be wrong about that too.
But maybe a better approach would be more towards looking at more general anti discrimination laws. From the U.S. Justice Department’s web page about laws against discrimination based on national origin: “Federal laws prohibit discrimination based on a person’s national origin, race, color, religion, disability, sex, and familial status. Laws prohibiting national origin discrimination make it illegal to discriminate because of a person’s birthplace, ancestry, culture or language. This means people cannot be denied equal opportunity because they or their family are from another country, because they have a name or accent associated with a national origin group…”
Notice that last sentence of the quote about how people cannot be denied equal opportunity because they have a name associated with a national origin group. That sounds exactly like what is being done with crosscheck where people are being singled out because their name sounds Asian, Latino or African American. Perhaps then an appeal to the Justice Department would be in order.