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 redlining
The Confiscation Act, which would have allowed the federal government to seize property, including slave property, being used to assist the Confederate insurrection, was one of the wartime measures that the Senate debated during its special session from July 4 to August 6, 1861. The final bill was approved by the Senate on August 5, 1861, by a vote of 24 to 11, and President Lincoln signed it into law the following day. Although this bill had symbolic value, it had no bearing on the uprising or the talks during the war. Every American was able to purchase any property up to 160 acres of free federal land thanks to a congress statute from 1862. The process of purchasing a homestead consists mostly of three steps. The federal government was authorized in early 1962.
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