Segregation continued even after the demise of the Jim Crow laws. Data on house prices and attitudes towards integration suggest that in the mid-20th century, segregation was a product of collective actions taken by whites to exclude blacks from their neighborhoods. Segregation also took the form of redlining, the practice of denying or increasing the cost of services, such as banking, insurance, access to jobs, access to health care, or even supermarkets to residents in certain, often racially determined, areas. Although in the U.S. informal discrimination and segregation have always existed, redlining began with the National Housing Act of 1934, which established the Federal Housing Administration (FHA). The practice was fought first through passage of the Fair Housing Act of 1968 (which prevents redlining when the criteria for redlining are based on race, religion, gender, familial status, disability, or ethnic origin), and later through the Community Reinvestment Act of 1977, which requires banks to apply the same lending criteria in all communities. Although redlining is illegal some argue that it continues to exist in other forms.