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Ghettos in the United States are typically urban neighborhoods perceived as being high in crime and poverty. The origins of these areas are specific to the United States and its laws, which created ghettos through both legislation and private efforts to segregate America for political, economic, social, and ideological reasons: de jure and de facto segregation. De facto segregation continues today in ways such as residential segregation and school segregation because of contemporary behavior and the historical legacy of de jure segregation. American ghettos therefore, are communities and neighborhoods where government has not only concentrated a minority group, but established barriers to its exit. “Inner city” is often used to avoid the word ghetto, but typically denotes the same idea. Geographic examples of American ghettos are seen in large urban centers such as New York City, Chicago, and Detroit. Description "American ghetto" usually denotes an urban neighborhood with crime, gang violence, and extreme poverty, with a significant number of minority citizens living in it. Their origins are manifold. Historically, violence has been used to intimidate certain demographics into remaining in ghettos. The "deindustrialization" of minorities and the lower class Americans also contributed to ghetto-forming in inner cities. Additional causes of deteriorating conditions in ghettos ranged from lack of jobs and extreme poverty to menacing streets and violence. Development of ghettos through modern housing segregation can also be blamed on de facto racism as well as de jure segregation. Centralized racism began the segregation, but, with the legal barriers to entry for blacks having fallen, the price rather than the legality of living in certain areas has excluded blacks. Rent vouchers and other forms of remittances have been proposed as a way of desegregating America. History In the findings of a study conducted by Brandeis University, one of the major factors of the huge racial wealth gap in America is due to the disparities in home-ownership in America. It will be very difficult to pinpoint the beginning of housing discrimination in America, since most forms of discrimination in America overlapped. But an extension of Jim Crow laws was made manifest in home-ownership and American housing public policies. These discriminatory federal and state policies, in conjunction with private sector fear for economic loss, led to the systemic exclusion of minorities from loans, access to credit, and higher income. This practice is called redlining. Redlining In 1933, the Home Owners' Loan Corporation (HOLC), a federal government sponsored program was created as part of President Roosevelt's New Deal to combat the Great Depression and to help assist homeowners who were in default on their mortgage and in foreclosure. This assistance was mostly in forms of loans and federal aids that last for over 25 years. President Franklin D. Roosevelt signed the National Housing Act of 1934 (NHA) which established the Federal Housing Administration (FHA).[page needed] This federal policy heightened the worsening of minority inner-city neighborhoods caused by the withholding of mortgage capital, and made it even more difficult for neighborhoods to attract and retain families able to purchase homes.[page needed] The assumptions in redlining resulted in a large increase in residential racial segregation and urban decay in the United States. The HOLC under the NHA and in cooperation with the FHA and the Federal Banking Home Loan Board sent surveyors and examiners to go to these cities and speak with local banks, city officials, to determine the lending risks in different neighborhoods. Factors for determining high-risk sectors included: Geography—where is the city located? How close is the city to a park? Does it have commercial establishments? Is it close to a factory, and will pollution be a problem? How old are the apartments or houses? Are they accessible? Are there good roads, good schools, good companies, and opportunities to work? The population, the demographics, is it a majority-minority neighborhood? Are the people mostly poor and uneducated? All of these factors play into determining whether a city is a highly desirable location for the FHA loans or a High-risk or "hazardous" zone. Color-coded maps were used to distinguish different localities based on the findings from these surveys. Green represented the best possible location to give loans. Blue represented a highly desirable locale. Yellow acknowledged a declining and depreciating area. Red identified a “Hazardous” zone. This is what was called the "Residential Security" map. Areas that were coded as red zones had to pay higher interest rates and struggled to access FHA loans. The majority of the people who lived in the red zones were blacks and other minorities. Poverty in the black community increased significantly due to a lack of jobs and assistance from the government. Access to credit was based on collateral and geographic residence of applicants which automatically disqualified most blacks and most minorities since they were concentrated in deteriorated areas. Many middle class blacks sought to migrate to the industrial Midwest and Northeast and other places for better opportunities and to leave the red zoned areas, but explicit racial exclusion ordinances prevented blacks from finding places outside of the red zones. Even in areas where exclusion laws were not in effect, real estate professionals instilled fear that blacks would invade white communities and eventually turn it into a red zone. This led to the "white flight" – the exodus of whites out of the inner city into the suburbs – and blockbusting in the 1960s and 70s. Minorities continued to migrate into the red zoned communities, as it was difficult for them to afford to live elsewhere. The higher taxes and pricing on homes and rentals in the red zones led to constant depreciation in these neighborhoods. In addition to encouraging white families to move to suburbs by providing them loans to do so, the government uprooted many established African American communities by building elevated highways through their neighborhoods. To build a highway, tens of thousands of single-family homes were destroyed. Because these properties had been summarily declared to be "in decline," families were given pittances for their properties, and were forced into federal housing called the projects. To build these projects, still more single family homes were demolished. De facto segregation Although Congress has passed several legislations to end de jure segregation in America, de facto segregation still persists in American schools and cities. People have the right to live in communities of their choice, and due to cultural, economic, social, and personal reasons, self-segregation continues to prevail in America. The desire of some whites to avoid having their children attend integr.... Discover the Owen Fiss Joshua Cohen Jefferson Decker popular books. Find the top 100 most popular Owen Fiss Joshua Cohen Jefferson Decker books.