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The practice of refusing mortgages for houses in poor and minority neighborhoods is called

User Bob Dylan
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This is redlining. This is typically done (illegally) as a way of discriminating against groups and areas found to be "unworthy" of receiving the assistance. This can be done through the refusal of financial assistance or through placing services in such a way that it becomes impractical for said services to be taken advantage of.
User Dmitriy Kisil
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