Redlining

Definition

Redlining is a discriminatory practice in which people are denied certain services (like banking, housing, or insurance) because of their race or ethnicity. Specifically, redlining refers to the practice of drawing boundaries around minority neighborhoods and refusing services to those who live within them. This practice was rampant during the mid-20th century but still exists today in various forms.

Why It's Important

In its simplest form, redlining makes it difficult or impossible for people living in certain areas to access necessary services. For example, banks may refuse to lend money to people living in specific neighborhoods, or insurance companies may refuse to insure homes located there. This can have significant implications for individuals and entire neighborhoods as they struggle to access essential services like banking, housing, healthcare, and more.

Redlining has long-term effects on entire communities. It creates segregated communities with limited access to resources such as education, healthcare, financial capital, and job opportunities, which can negatively impact future generations. In addition to creating economic disparities between different racial groups, redlining reinforces existing stereotypes about people from specific backgrounds and further entrenches systemic racism in our society.

Redlining is an insidious practice that has been around for centuries and affects many communities today. By understanding what redlining is and how it works, we can start taking action against this form of discrimination so that everyone can access the resources they need regardless of race or ethnicity. The fight against redlining starts with educating ourselves and our peers about this critical issue—so let's get started!