A practice whereby mortgage lenders and insurance companies refuse to provide loans or sell insurance in certain neighborhoods, usually ones that are racially mixed or predominantly black, which makes it harder for African Americans to purchase homes. This activity is called ______.

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Redlining is the practice of denying loans or insurance to people in certain neighborhoods based on their race or ethnicity. This often affects predominantly black or mixed-race neighborhoods and makes it harder for African Americans to purchase homes. Social exclusion refers to a broader range of social and economic barriers that people face based on their race, gender, religion, or other characteristics. Social inclusion refers to efforts to reduce these barriers and ensure that all people have equal access to opportunities and resources. Racial steering is a related practice in which real estate agents steer clients toward or away from certain neighborhoods based on their race.

A Practice Whereby Mortgage Lenders and Insurance Companies Refuse to Provide