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33 San Diego L. Rev. 583 (1996)
Race, Gender, Redlining, and the Discriminatory Access to Loans, Credit, and Insurance: An Historical and Empirical Analysis of Consumers Who Sued Lenders and Insurers in Federal and State Courts, 1950-1995

handle is hein.journals/sanlr33 and id is 595 raw text is: Race, Gender, Redlining, and the Discriminatory Access to Loans, Credit, and Insurance: An Historical and Empirical Analysis of Consumers Who Sued Lenders and Insurers in Federal and State Courts, 1950-1995 WILLY E. RICE* INTRODUCTION A careful review of either privately or publicly assembled economic data discloses two economic truths: (1) Persistent unemployment is likely to develop among members of any racial or socioeconomic group when members of that group are regularly and systematically denied access to capital and credit;' and, (2) small businesses--the primary * Professor of Law, Texas Tech University. M.A. 1972, Ph.D. 1975, University of North Carolina at Chapel Hill; Postdoctoral Fellow 1977, The Johns Hopkins University; J.D. 1982, The University of Texas at Austin. The author sincerely thanks scores of legal academicians, senior scholars at various legal foundations, practicing attorneys and statisticians who communicated with the author (xewer@ttasc3.ttu.edu) over the Internet and evaluated the merits of the arguments and statistical procedures outlined in this paper. To be sure, the author has attempted to address all legitimate questions and tried to incorporate many priceless recommendations into the Article. Nevertheless, the views expressed as well as errors or omissions are the author's alone. 1. See generally Gregory D. Squires & Sally O'Connor, Do Lenders Who Redline Make More Money Than Lenders Who Don't?, 21 REV. OF BLACK POL. ECON. 83-107 (1993); TIMOTHY BATES, BANKING ON BLACK ENTERPRISE: THE POTENTIAL OF

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