National Ass'n for the Advancement of Colored People v. American Family Mutual Insurance

EASTERBROOK, Circuit Judge.

Is redlining in the insurance business a form of racial discrimination violating the Fair Housing Act? “Redlining” is charging higher rates or declining to write insurance for people who live in particular areas (figuratively, sometimes literally, enclosed with red lines on a map). The NAACP, its Milwaukee Branch, and eight of its members contend in this class action that redlining violates the Fair Housing Act, 42 U.S.C. §§ 3601-19, and four other rules of state and federal law when insurers draw their lines around areas that have large or growing minority…