> Add in the fact that redlining has multi-generational impact, too. Housing is one of the big ways families pass wealth down to their kids and you get potentia

> Add in the fact that redlining has multi-generational impact, too. Housing is one of the big ways families pass wealth down to their kids and you get potential racist impact due to past actions even if the current implementation is race-blind. This is, by the numbers, the much bigger issue by an order of magnitude. I think one problem that many people have with the 'racist creditors' trope is that racist policies have left a gaping hole in african american wealth, and consequently african americans are disproportionately priced out out of their local housing markets. If you were to make the credit process completely (and I mean completely) race-blind, you would still have massively unequal outcomes, probably more or less on par with what we see today.