Final answer:
Redlining is the discriminatory practice of lenders restricting loans in certain areas due to racist or ethnic factors. It perpetuates housing segregation and denies opportunities to marginalized communities.
Step-by-step explanation:
Redlining is defined as a lender restricting the number of loans in certain areas of a community because of its racist or ethnic makeup. It is viewed as a continuation of discriminatory practices, such as restrictive covenants and mortgage discrimination, that were used to maintain housing segregation based on race or ethnicity.