🏙️ City National Bank & Redlining in Los Angeles: A Case of Access Denied | Behind the Lines

In 2023, the U.S. Department of Justice reached a historic $31 million settlement with City National Bank, headquartered in Los Angeles—marking the largest redlining settlement in DOJ history.

Why?
Because from 2017 to 2020, City National virtually ignored Black and Latino communities across L.A. County—including some of the most diverse neighborhoods in the country.

📉 What did City National Bank do?

🏢 Opened branches everywhere except majority-Black and Latino areas
👥 Failed to assign loan officers to those communities
📣 No marketing, no outreach, no visibility where it mattered
💼 Approved far fewer loans than peer banks in those same ZIP codes

This wasn’t just negligence.
It was a systemic failure to provide equal access to credit and opportunity—an invisible form of redlining with very real consequences.

⚖️ What was the outcome?
City National Bank agreed to a $31 million settlement, including:
💰 $29.5M in subsidies for home loans in communities of color
📚 $500K in outreach and financial education
🏦 New branches and loan officers in underserved areas
🔍 Independent monitoring and fair lending training

🧱 Why this case still matters:
In a city as diverse as L.A., leaving entire communities out of the lending conversation isn’t just unethical—it’s illegal.
This case proves that modern redlining doesn’t always shout—it often whispers through inaction.

📘 Want the full story?
Download The Redlining Case Files—a free guide that unpacks real cases of mortgage discrimination and what you can do to protect your future.
https://242922488.hs-sites-na2.com/to...

📖 READ THE FULL BLOG POST:
👉 https://theconstructivehouse.blogspot...

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Because every ZIP code deserves fair access.

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