In addition to numerous congressional acts that focus more on national regulation, laws have been created that affect the practice of home mortgage lending at a community or neighborhood level. For example, laws have been enacted to prevent lenders from avoiding certain neighborhoods without regard to the merits of the individual loan applications, a practice more commonly referred to as:

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The practice of avoiding certain neighborhoods without regard to the merits of individual loan applications is commonly known as redlining. Laws have been enacted to prevent redlining and ensure fair access to home mortgage lending for all communities.

In Addition to Numerous Congressional Acts That Focus More on National