In one paragraph explain what redlining is and if anything should be done now to reverse its effect

Redlining is the practice of identifying certain neighborhoods or areas as high credit risk — often on the basis of the race of those who live there — and, subsequently, denying loan applications from creditworthy borrowers, simply because they live in those neighborhoods. While the practice was outlawed in 1968, its effects have passed down over the years and continue to build in the form of gaps in wealth and homeownership.  This is not to be confused with reverse redlining, which is exactly what it sounds like — an illegal predatory lending tactic to target minority communities for loans or credit on unfair terms (think higher prices, rates, or fees).

Explanation:

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