Which party typically commits violations related to redlining?

Redlining is a discriminatory practice that often occurs when lenders deny or limit financial services to individuals based on their geographic location, particularly in predominantly minority communities. This practice is rooted in systemic racism and has legal implications, leading to significant repercussions for those entities involved.

In the context of the question, lenders are typically the parties responsible for the violations associated with redlining because they have the authority to make lending decisions and are involved in determining which neighborhoods or communities will receive loan funding. Their choices can significantly impact access to credit for residents in specific areas, often perpetuating socioeconomic disparities and reinforcing historical inequities.

While real estate agents, borrowers, and mortgage brokers may play roles in the home buying and financing process, they do not hold the same level of control over lending policies and practices as lenders do. Therefore, lenders are specifically identified as the parties primarily committing violations related to redlining.