Fifth Fourth Bank has different loan terms for borrowers, depending upon the location of their property to be mortgaged. For example, in high crime areas, Fifth Fourth Bank requires a higher down payment as well as a higher interest rate. Fifth Fourth Bank:

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CFifth Fourth Bank's practices as described violate the Fair Housing Act because they result in discriminatory effects based on the location of the property, which often correlates with the racial composition of neighborhoods. This is a form of redlining. The Fair Housing Act prohibits discrimination in housing and housing-related transactions based on race, color, national origin, religion, sex, familial status, or disability. Adjusting loan terms based on the location in high crime areas, which may disproportionately affect minority applicants, can be seen as a violation. Additionally, the Act requires that all applicants, regardless of race (including minority and white applicants), be offered the same loan terms, making practices that result in different terms for different racial groups unlawful.

Fifth Fourth Bank Has Different Loan Terms for Borrowers, Depending