Charlotte is an African American woman. She went into her local bank and talked with a loan officer about a home loan. Charlotte had a good credit rating and was, she felt, a responsible person. She was turned down for the loan that she needed, but was offered one for a much smaller amount that would not be enough to purchase a decent home in the city in which she lived. She would have to save much more money to have enough for a down payment. She was frustrated and talked with many of her black friends regarding their experience with lending institutions in their cities. She found that quite a few had a similar experience. She began researching and found that this situation was happening to African Americans all across the country. What was Charlotte realizing?

Question

Quizplus · Accepted Answer

Charlotte was realizing that she and other African Americans were being subjected to institutional discrimination, where lending institutions have policies and practices that result in discrimination against certain groups. This is a widespread problem that affects many African Americans across the country, indicating systemic discrimination rather than individual discrimination based on personal qualities or characteristics.

Charlotte Is an African American Woman