Which of these private sector entities is MOST likely to file a lawsuit against a mortgage lender alleging redlining?

• A. The National Fair Housing Alliance
• B. The Mortgage Bankers Association
• C. The American Bankers Association
• D. The National Association of Realtors

Answer: (A)

Redlining is a discriminatory practice where lenders deny or limit mortgages in certain neighborhoods based on race or ethnicity. Private enforcement of anti-discrimination laws in lending typically comes from groups dedicated to fair housing advocacy. The National Fair Housing Alliance specializes in upholding fair housing rights and often pursues legal action against lenders that engage in discriminatory practices, including redlining. That mission makes it the most likely to file a lawsuit in this scenario.

The other organizations are industry trade groups representing lenders or real estate professionals. Their primary roles are advocacy, policy work, and member support rather than initiating private lawsuits against lenders for discriminatory lending practices.