{"id":5535,"date":"2022-06-22T19:24:00","date_gmt":"2022-06-22T19:24:00","guid":{"rendered":"https:\/\/www.dinsmore.com\/?post_type=publications&#038;p=5535"},"modified":"2025-10-01T19:26:48","modified_gmt":"2025-10-01T19:26:48","slug":"recent-developments-to-combat-redlining","status":"publish","type":"publications","link":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/","title":{"rendered":"Recent Developments to Combat Redlining"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"369\" width=\"1024\" src=\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?w=1024\" alt=\"Attorney in foreground and hoses in the background\" class=\"wp-image-5542\" srcset=\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg 2084w, https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?resize=300,108 300w, https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?resize=768,277 768w, https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?resize=1024,369 1024w, https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?resize=1536,554 1536w, https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?resize=2048,738 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Dinsmore partner Michael Dailey was published in <a href=\"https:\/\/www.bankdirector.com\/issues\/regulation\/recent-developments-to-combat-redlining\/\">Bank Director<\/a> with his article &#8220;Recent Developments to Combat Redlining.&#8221; Read an excerpt below.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Regulators have worked on a variety of anti-redlining proposals in recent months<strong>,<\/strong>&nbsp;including a joint initiative by the Department of Justice, the Consumer Financial Protection Bureau, and the Office of the Comptroller of the Currency.<\/em><\/p>\n\n\n\n<p><em>Initial reactions to the initiative expected it to focus on the redlining seen in the Trustmark Corp. settlement, where the Jackson, Mississippi-based bank discriminated against Black and Hispanic neighborhoods by \u201cdeliberately not marketing, offering, or originating home loans to consumers in majority Black and Hispanic neighborhoods in the Memphis metropolitan area,\u201d according&nbsp;to the CFPB. The $17.6 billion bank settled for a $5 million penalty.<\/em><\/p>\n\n\n\n<p><em>But in recent weeks, though a final rule is not yet in place, the acting comptroller made it clear&nbsp;the focus is not only on direct discrimination, but also on indirect discrimination through climate redlining. Climate redlining occurs when certain minority communities are subject to heightened climate change risks based on where they are located; those heightened risks pose a disproportionate impact on minority groups.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>Read the full article <a href=\"https:\/\/www.bankdirector.com\/issues\/regulation\/recent-developments-to-combat-redlining\/\">here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dinsmore partner Michael Dailey was published in Bank Director with his article &#8220;Recent Developments to Combat Redlining.&#8221; Read an excerpt below. Regulators have worked on a variety of anti-redlining proposals in recent months,&nbsp;including a joint initiative by the Department of Justice, the Consumer Financial Protection Bureau, and the Office of the Comptroller of the Currency.\u2026<\/p>\n","protected":false},"author":8,"featured_media":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"publication-type":[8],"class_list":["post-5535","publications","type-publications","status-publish","format-standard","hentry","publication-type-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Recent Developments to Combat Redlining - Dinsmore &amp; Shohl<\/title>\n<meta name=\"description\" content=\"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore &amp; Shohl LLP.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recent Developments to Combat Redlining\" \/>\n<meta property=\"og:description\" content=\"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore &amp; Shohl LLP.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/\" \/>\n<meta property=\"og:site_name\" content=\"Dinsmore &amp; Shohl\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-01T19:26:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?w=1024\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/\",\"url\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/\",\"name\":\"Recent Developments to Combat Redlining - Dinsmore &amp; Shohl\",\"isPartOf\":{\"@id\":\"https:\/\/www.dinsmore.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?w=1024\",\"datePublished\":\"2022-06-22T19:24:00+00:00\",\"dateModified\":\"2025-10-01T19:26:48+00:00\",\"description\":\"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore & Shohl LLP.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage\",\"url\":\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg\",\"contentUrl\":\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg\",\"width\":2084,\"height\":751},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.dinsmore.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Recent Developments to Combat Redlining\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.dinsmore.com\/#website\",\"url\":\"https:\/\/www.dinsmore.com\/\",\"name\":\"Dinsmore & Shohl\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.dinsmore.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.dinsmore.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.dinsmore.com\/#organization\",\"name\":\"Dinsmore & Shohl\",\"url\":\"https:\/\/www.dinsmore.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.dinsmore.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2025\/12\/Dinsmore-Final-Logo-Navy.svg\",\"contentUrl\":\"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2025\/12\/Dinsmore-Final-Logo-Navy.svg\",\"width\":413,\"height\":54,\"caption\":\"Dinsmore & Shohl\"},\"image\":{\"@id\":\"https:\/\/www.dinsmore.com\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Recent Developments to Combat Redlining - Dinsmore &amp; Shohl","description":"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore & Shohl LLP.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/","og_locale":"en_US","og_type":"article","og_title":"Recent Developments to Combat Redlining","og_description":"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore & Shohl LLP.","og_url":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/","og_site_name":"Dinsmore &amp; Shohl","article_modified_time":"2025-10-01T19:26:48+00:00","og_image":[{"url":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?w=1024","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/","url":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/","name":"Recent Developments to Combat Redlining - Dinsmore &amp; Shohl","isPartOf":{"@id":"https:\/\/www.dinsmore.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage"},"image":{"@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage"},"thumbnailUrl":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg?w=1024","datePublished":"2022-06-22T19:24:00+00:00","dateModified":"2025-10-01T19:26:48+00:00","description":"Recent Developments to Combat Redlining Read insights and legal analysis from attorneys at Dinsmore & Shohl LLP.","breadcrumb":{"@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#primaryimage","url":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg","contentUrl":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2022\/06\/Bank-Director_Header-2.jpg","width":2084,"height":751},{"@type":"BreadcrumbList","@id":"https:\/\/www.dinsmore.com\/publications\/recent-developments-to-combat-redlining\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.dinsmore.com\/"},{"@type":"ListItem","position":2,"name":"Recent Developments to Combat Redlining"}]},{"@type":"WebSite","@id":"https:\/\/www.dinsmore.com\/#website","url":"https:\/\/www.dinsmore.com\/","name":"Dinsmore & Shohl","description":"","publisher":{"@id":"https:\/\/www.dinsmore.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.dinsmore.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.dinsmore.com\/#organization","name":"Dinsmore & Shohl","url":"https:\/\/www.dinsmore.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.dinsmore.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2025\/12\/Dinsmore-Final-Logo-Navy.svg","contentUrl":"https:\/\/www.dinsmore.com\/wp-content\/uploads\/2025\/12\/Dinsmore-Final-Logo-Navy.svg","width":413,"height":54,"caption":"Dinsmore & Shohl"},"image":{"@id":"https:\/\/www.dinsmore.com\/#\/schema\/logo\/image\/"}}]}},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/publications\/5535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/publications"}],"about":[{"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/types\/publications"}],"author":[{"embeddable":true,"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/users\/8"}],"version-history":[{"count":3,"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/publications\/5535\/revisions"}],"predecessor-version":[{"id":5544,"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/publications\/5535\/revisions\/5544"}],"wp:attachment":[{"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/media?parent=5535"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/tags?post=5535"},{"taxonomy":"publication-type","embeddable":true,"href":"https:\/\/www.dinsmore.com\/wp-json\/wp\/v2\/publication-type?post=5535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}