re: Yes or No: Do you believe the FHA practiced/promoted redlining?

Do I think the FHA refused to guarantee loans in certain high-minority areas? Yes - the evidence of that is clear.

But here's my thing. After Katrina, a lot of noise was made about homes in the 9th ward of New Orleans, who were having trouble getting Road Home grants, because proof of ownership could not be found. These houses were held by black families for generations. How did these black people - 30, 40, 50, 60 years ago, get mortgages to buy these houses, if it was impossible to get a mortgage?

Many black families own houses today. Many black families do not own houses today. The ones that do not, seem to not own them because they choose not to, or because they cannot afford to, or because their credit is messed up.

Therefore, I am having trouble linking redlining from 50 years ago, to wealth inequalities today. Most people - white and black - don't have family wealth. The only wealth they have today is the wealth to which they personally conributed.