For example, in Atlanta in the 1980s, a Pulitzer Prize-winning series of articles by investigative reporter Bill Dedman showed that banks would often lend to lower-income whites but not to middle- or upper-income blacks.

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Racial segregation and discrimination against minorities and minority communities pre-existed this policy.

The implementation of this federal policy aggravated the decay 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.

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