Final answer:
Under the CRA, only lenders can be guilty of redlining, which refers to the practice of designating neighborhoods as unacceptable credit risks based on their racial demographics. This practice has had lasting effects on minority communities.
Step-by-step explanation:
Under the Community Reinvestment Act (CRA), only lenders can be guilty of redlining. Redlining refers to the practice of designating neighborhoods as unacceptable credit risks based on their racial demographics. Banks and other financial institutions would refuse to issue mortgages or loans to people from racial or ethnic minorities living in these neighborhoods, effectively denying them access to housing and financial opportunities. The discriminatory practice of redlining has had lasting effects on minority communities, contributing to systemic impoverishment and property value disparities.