chart showing racial inequity Source: Shutterstock.

If you think redlining is just a Community Reinvestment Act problem, nothing could be further from the truth. While there is some crossover, redlining is very much a core fair lending problem. In its simplest form, redlining is when a lender simply doesn't make loans in certain parts of your community, and it's nearly always based on some prohibited basis characteristic of the neighborhood. In other words, a lender isn't making loans typically in higher-minority areas.

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