Redlining is a discriminatory practice in which people are denied certain services (like banking, housing, or insurance) because of their race or ethnicity.
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.
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.