University of Michigan Law School
Civil Rights Litigation Clearinghouse
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Case Name United States v. Mid-America Bank, FSB FH-IL-0017
Docket / Court 1:02-cv-09458 ( N.D. Ill. )
State/Territory Illinois
Case Type(s) Fair Housing/Lending/Insurance
Attorney Organization U.S. Dept. of Justice Civil Rights Division
Case Summary
On December 30, 2002, the United States filed a complaint in the United States District Court for the Northern District of Illinois under the Equal Credit Opportunity Act and the Fair Housing Act against Mid-America Bank, FSB, claiming that the bank discriminated against minority neighborhoods in ... read more >
On December 30, 2002, the United States filed a complaint in the United States District Court for the Northern District of Illinois under the Equal Credit Opportunity Act and the Fair Housing Act against Mid-America Bank, FSB, claiming that the bank discriminated against minority neighborhoods in its market area. Specifically, the federal government alleged that the bank had no full-service branches in minority neighborhoods, purposely designed the boundaries of its lending area to exclude these neighborhoods, and avoided working with real estate professionals and builders in minority neighborhoods.

On April 17, 2003, the case was dismissed pursuant to an agreed consent order. On January 9, 2008 the consent order was terminated and the case was dismissed with prejudice.

Megan Dolan - 05/29/2014


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Issues and Causes of Action
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Issues
Content of Injunction
Reporting
Defendant-type
Bank or credit provider
Discrimination-area
Housing Sales/Rental
Lending
Discrimination-basis
National origin discrimination
Race discrimination
General
Disparate Impact
Housing
National Origin/Ethnicity
Hispanic
Plaintiff Type
U.S. Dept of Justice plaintiff
Race
Black
Causes of Action Fair Housing Act/Fair Housing Amendments Act (FHAA), 42 U.S.C. §§ 3601 et seq.
Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691
Defendant(s) Mid-America Bank, FSB
Plaintiff Description The United States on behalf of African-American and Hispanic loan applicants.
Indexed Lawyer Organizations U.S. Dept. of Justice Civil Rights Division
Class action status sought No
Class action status granted No
Prevailing Party Plaintiff
Public Int. Lawyer Yes
Nature of Relief Injunction / Injunctive-like Settlement
Source of Relief Settlement
Form of Settlement Court Approved Settlement or Consent Decree
Order Duration 2003 - 2008
Case Closing Year 2008
Case Ongoing No
Additional Resources
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Case Studies Insurer Must Pay $100.5 Million in Redlining Case
The New York Times
Written: Oct. 27, 1998
By: Joseph B. Treaster
[ Detail ] [ External Link ]

  Nationwide Settles Virginia Redlining Suit
Property Casualty 360
Written: May. 06, 2000
By: Amanda Levin
[ Detail ] [ External Link ]

  The Origins of Fair Lending Litigation
Written: Dec. 04, 2008
By: Andrew Nash (Washington University in St. Louis)
[ Detail ] [ PDF ] [ External Link ]

Docket(s)
1:02−cv−09458 (N.D. Ill.) 01/10/2008
FH-IL-0017-9000.pdf | Detail
PACER [Public Access to Court Electronic Records]
General Documents
Justice Department Announces Settlement With Mid America Bank Regarding Alleged Discrimination in Lending 10/30/2002
FH-IL-0017-0001.pdf | Detail
Complaint 12/30/2002
FH-IL-0017-0002.pdf | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Joint Motion to Terminate Consent Order 12/17/2007
FH-IL-0017-0003.pdf | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Proposed Order 12/17/2007 (N.D. Ill.)
FH-IL-0017-0004.pdf | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Judges Gottschall, Joan B. (N.D. Ill.) [Magistrate]
FH-IL-0017-0004 | FH-IL-0017-9000
Monitors/Masters None on record
Plaintiff's Lawyers Ashcroft, John (District of Columbia)
FH-IL-0017-0002
Boyd, Ralph F. Jr. (District of Columbia)
FH-IL-0017-0002
Dougherty , Burtis M. (District of Columbia)
FH-IL-0017-0003
Fitzgerald, Patrick J. (Illinois)
FH-IL-0017-0002 | FH-IL-0017-0003
Laser, Joan (Illinois)
FH-IL-0017-0002 | FH-IL-0017-0003 | FH-IL-0017-9000
Magagna, Joan A. (District of Columbia)
FH-IL-0017-0002
Murphy, Donna M. (District of Columbia)
FH-IL-0017-0003
Rosenbaum, Steven H. (District of Columbia)
FH-IL-0017-0003
Seward, Jon M. (District of Columbia)
FH-IL-0017-0002
Defendant's Lawyers McLaughlin, James A. (District of Columbia)
FH-IL-0017-9000
Montana, James S. Jr. (Illinois)
FH-IL-0017-9000
Nelson, Bruce C. (Illinois)
FH-IL-0017-9000
Veta, D. Jean (District of Columbia)
FH-IL-0017-0003 | FH-IL-0017-9000
Other Lawyers None on record

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