Deliberate government policies, in conjunction with institutional discrimination practices of private real-estate investors, bankers, and businesses to segregate the African American community, led to the creation and continuation of the African American ghetto.

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Deliberate government policies such as redlining, urban renewal, and restrictive covenants, along with discriminatory practices of private institutions, led to the creation of African American ghettos in many cities in the United States. These policies and practices limited African Americans' access to housing, jobs, and opportunities, which perpetuated segregation and created areas of concentrated poverty and crime.

Deliberate Government Policies, in Conjunction with Institutional Discrimination Practices of Private