Editing Redlining (section)

=== Regulatory lawsuits ===
In May 2015, the [[United States Department of Housing and Urban Development|U.S. Department of Housing and Urban Development]] announced that [[Associated Banc-Corp|Associated Bank]] had agreed to a $200 million settlement over redlining in Chicago and Milwaukee. The three-year HUD observation led to the complaint that the bank purposely rejected mortgage applications from black and Latino applicants.<ref name=HUDNo_15-064b/> The final settlement required AB to open branches in non-white neighborhoods.<ref>{{Cite news |url=http://www.housingwire.com/articles/33998-associated-bank-settles-with-hud-over-discriminatory-lending |title=Associated Bank settles with HUD over discriminatory lending |access-date=2017-03-08}}</ref>

[[Attorney General of New York|New York Attorney General]] [[Eric Schneiderman]] announced a settlement with Evans Bank for $825,000 on September 10, 2015. An investigation had uncovered the erasure of black neighborhoods from mortgage lending maps.<ref>{{Cite news |date=2015-09-10 |url=https://www.nytimes.com/2015/09/11/business/dealbook/evans-bank-settles-new-york-redlining-lawsuit.html |title=Evans Bank Settles New York 'Redlining' Lawsuit |last1=Silver-Greenberg |first1=Jessica |last2=Corkery |first2=Michael |work=The New York Times |access-date=2017-03-08 |url-access=subscription |url-status=live |archive-url=https://web.archive.org/web/20150918072445/https://www.nytimes.com/2015/09/11/business/dealbook/evans-bank-settles-new-york-redlining-lawsuit.html |archive-date=September 18, 2015 }}</ref> According to Schneiderman, of the over 1,100 mortgage applications the bank received between 2009 and 2012, only four were from African Americans.<ref>{{Cite web |url=https://ag.ny.gov/press-release/ag-schneiderman-secures-agreement-evans-bank-ending-discriminatory-mortgage-redlining |title=A.G. Schneiderman Secures Agreement With Evans Bank Ending Discriminatory Mortgage Redlining In Buffalo {{!}} New York State Attorney General |website=ag.ny.gov |access-date=2017-03-08 |archive-url=https://web.archive.org/web/20180130080121/https://ag.ny.gov/press-release/ag-schneiderman-secures-agreement-evans-bank-ending-discriminatory-mortgage-redlining |archive-date=2018-01-30 |url-status=dead}}</ref> Following this investigation, ''[[The Buffalo News]]'' reported that more banks could be investigated for the same reasons in the near future. The most notable examples of such DOJ and HUD settlements have focused heavily on community banks in large metropolitan areas, but banks in other regions have been the subject of such orders as well, including First United Security Bank in Thomasville, Alabama, and Community State Bank in Saginaw, Michigan.<ref>{{Cite web |url=http://buffalonews.com/2014/09/02/evans-bancorp-isnt-only-lender-at-risk-of-redlining-lawsuit/ |title=Evans Bancorp isn't only lender at risk of redlining lawsuit |last=Glynn |first=Matt |date=2014-09-02 |website=The Buffalo News |access-date=2017-03-08 |archive-date=March 8, 2017 |archive-url=https://web.archive.org/web/20170308224601/http://buffalonews.com/2014/09/02/evans-bancorp-isnt-only-lender-at-risk-of-redlining-lawsuit/ |url-status=dead }}</ref>

The [[United States Department of Justice]] announced a $33 million settlement with [[Hudson City Savings Bank]], which services [[New Jersey]], [[New York (state)|New York]], and [[Pennsylvania]], on September 24, 2015.<ref>{{Cite web|url=https://www.justice.gov/opa/file/777866/download|title=CONSUMER FINANCIAL PROTECTION BUREAU, and UNITED STATES OF AMERICA, v. HUDSON CITY SAVINGS BANK, F.S.B.}}</ref> The six-year DOJ investigation had proven that the company was intentionally avoiding granting mortgages to Latinos and African Americans and purposely avoided expanding into minority-majority communities. The Justice Department called it the "largest residential mortgage redlining settlement in its history."<ref>{{Cite web |url=https://www.justice.gov/opa/pr/justice-department-and-consumer-financial-protection-bureau-reach-settlement-hudson-city |title=Justice Department and Consumer Financial Protection Bureau Reach Settlement with Hudson City Savings Bank to Resolve Allegations of Mortgage Lending Discrimination |website=www.justice.gov |access-date=2017-03-08 |date=2015-09-24}}</ref> As a part of the settlement agreement, HCSB was forced to open branches in non-white communities. As U.S. Attorney Paul Fishman explained to Emily Badger for ''[[The Washington Post]]'', "[i]f you lived in a majority-black or Hispanic neighborhood and you wanted to apply for a mortgage, Hudson City Savings Bank was not the place to go." The enforcement agencies cited additional evidence of discrimination in Hudson City's broker selection practices, noting that the bank received 80 percent of its mortgage applications from mortgage brokers but that the brokers with whom the bank worked were not located in majority African-American and Hispanic areas.<ref>{{Cite news |url=https://www.washingtonpost.com/news/wonk/wp/2015/09/25/what-it-looks-like-when-a-bank-structures-its-business-to-avoid-minorities/ |title=What it looks like when a bank goes out of its way to avoid minorities |newspaper=[[The Washington Post]] |access-date=2017-03-08}}</ref>

On January 12, 2023, [[City National Bank (California)|City National Bank of California]] agreed to pay $31,000,000 to resolve allegations of redlining from 2017 to at least 2020, brought by the [[United States Department of Justice]].<ref>{{Cite web |date=2023-01-12 |title=Justice Department Secures Over $31 Million from City National Bank to Address Lending Discrimination Allegations |url=https://www.justice.gov/opa/pr/justice-department-secures-over-31-million-city-national-bank-address-lending-discrimination |access-date=2023-01-13 |website=www.justice.gov}}</ref>