# Spreads

Spreads is treated as an interconnected process and meaning field. The chapter moves from grounded mechanisms to incentives, risks, history, relationships, mapshifts, and human consequences.

## Core traversal

- [Equal Credit Opportunity Act](../nodes/regulation/equal-credit-opportunity-act.md) — Equal Credit Opportunity Act reveals and governs how access to place and credit can be distributed or denied
- [Redlining](../nodes/regulation/redlining.md) — Redlining reveals and governs how access to place and credit can be distributed or denied
- [Reverse Redlining](../nodes/regulation/reverse-redlining.md) — Reverse Redlining reveals and governs how access to place and credit can be distributed or denied
- [Racial Covenant](../nodes/regulation/racial-covenant.md) — Racial Covenant reveals and governs how access to place and credit can be distributed or denied
- [Steering](../nodes/regulation/steering.md) — Steering reveals and governs how access to place and credit can be distributed or denied
- [Disparate Treatment](../nodes/regulation/disparate-treatment.md) — Disparate Treatment reveals and governs how access to place and credit can be distributed or denied
- [Disparate Impact](../nodes/regulation/disparate-impact.md) — Disparate Impact reveals and governs how access to place and credit can be distributed or denied
- [Appraisal Bias](../nodes/regulation/appraisal-bias.md) — Appraisal Bias reveals and governs how access to place and credit can be distributed or denied
- [Credit Invisibility](../nodes/regulation/credit-invisibility.md) — Credit Invisibility reveals and governs how access to place and credit can be distributed or denied
- [Blockbusting](../nodes/regulation/blockbusting.md) — Blockbusting reveals and governs how access to place and credit can be distributed or denied
- [Exclusionary Zoning](../nodes/regulation/exclusionary-zoning.md) — Exclusionary Zoning reveals and governs how access to place and credit can be distributed or denied
- [Displacement](../nodes/regulation/displacement.md) — Displacement reveals and governs how access to place and credit can be distributed or denied
- [Housing Segregation](../nodes/regulation/housing-segregation.md) — Housing Segregation reveals and governs how access to place and credit can be distributed or denied
- [Truth in Lending Act](../nodes/regulation/truth-in-lending-act.md) — Truth in Lending Act sets the rules and enforcement boundaries for transactions, credit, markets, and rights
- [Real Estate Settlement Procedures Act](../nodes/regulation/real-estate-settlement-procedures-act.md) — Real Estate Settlement Procedures Act sets the rules and enforcement boundaries for transactions, credit, markets, and rights
- [Dodd-Frank Act](../nodes/regulation/dodd-frank-act.md) — Dodd-Frank Act sets the rules and enforcement boundaries for transactions, credit, markets, and rights
- [Home Mortgage Disclosure Act](../nodes/regulation/home-mortgage-disclosure-act.md) — Home Mortgage Disclosure Act sets the rules and enforcement boundaries for transactions, credit, markets, and rights
- [SAFE Act](../nodes/regulation/safe-act.md) — SAFE Act sets the rules and enforcement boundaries for transactions, credit, markets, and rights

## How to read this chapter

Follow claims and cash flows separately. Ask who holds authority, who supplies information, who receives benefit, who carries risk, and what changes when time or scale changes. Keep sourced fact, industry practice, synthesis, interpretation, and symbolic expression distinguishable.

## Mapshifting prompts

1. Change the unit of analysis from property to right, loan, cash flow, role, record, neighborhood, or institution.
2. Change the clock from closing day to thirty years, one market cycle, one building life, or several generations.
3. Change stakeholder and ask which previously invisible cost becomes central.
4. Return to the human map before choosing a move.

## Sentinel handoff

Legal, regulatory, fair-lending, historical, financial, cultural, and jurisdiction-specific annotations remain separate from Engine Output. They inform contextual use without flattening the graph.
