Historically, the widespread practice of _________________________________________ in most U.S. cities restricted the ability of African Americans to get a bank loan for a house everywhere in the city.
Question
Historically, the widespread practice of _________________________________________ in most U.S. cities restricted the ability of African Americans to get a bank loan for a house everywhere in the city.
Solution
The missing phrase in your sentence is "redlining". So, the complete sentence would be: "Historically, the widespread practice of redlining in most U.S. cities restricted the ability of African Americans to get a bank loan for a house everywhere in the city."
Here's a step-by-step explanation:
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Redlining is a discriminatory practice that puts services (typically financial) out of reach for residents of certain areas based on race or ethnicity. It can be seen in the systematic denial of various services by federal government agencies, local governments, or the private sector.
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In the context of your sentence, redlining refers to the practice where banks would literally draw a red line on a map around the neighborhoods they did not want to offer loans to, most of which were predominantly African American neighborhoods.
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This practice was widespread in U.S. cities and it restricted African Americans from getting a bank loan for a house everywhere in the city, not just in the redlined neighborhoods.
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The Fair Housing Act of 1968 and the Community Reinvestment Act of 1977 were enacted to prohibit this kind of discrimination, but the effects of redlining can still be seen today.
Similar Questions
How did redlining in American cities impact African Americans?Group of answer choicesBy creating vibrant and diverse neighborhoods through fair lending practicesBy fostering a sense of community and cultural exchange among people of different backgroundsBy systematically excluding African Americans from certain neighborhoods and denying them access to loans and mortgagesBy providing equal access to housing and economic opportunities for all residents
Question 7 of 10An example of institutional racism is when banks:A.foreclose on homes owned by racial minority members who cannot pay their mortgage.B.use race as the basis for determining mortgage interest rates.C.refuse to give a mortgage loan to someone who does not have a job.D.increase the lowest interest rates they charge on home mortgages.
The fact that banks reject home mortgage applications from minorities at a higher rate compared to white applicants is an example of __________.A.assimilationB.pluralismC.scapegoatingD.institutional discrimination
By 1850, the great majority of African Americans in the United States A:A. lived in cities.B:B. had some legal rights.C:C. lived in slavery.D:D. lived in the North.
When Black residents of Black neighborhoods have to pay higher mortgage payments, what is this phenomenon called?Multiple choice question.redliningrotatingrestingredshirting
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