Final answer:
Refusing to loan money in a minority neighborhood is called redlining, which is a discriminatory practice that has had long-term negative impacts on minority communities.
Step-by-step explanation:
Refusing to loan money in a minority neighborhood is known as redlining. This discriminatory practice dates back to when the FHA (Federal Housing Administration) created maps outlining certain neighborhoods with red to indicate areas deemed too risky for mortgages or loans, which predominantly affected minority communities. Redlining not only prohibited many from owning homes and accumulating wealth but also led to long-standing segregation and economic disparities in housing and education. While outlawed, the effects of redlining continue to influence minority neighborhoods today, and similar practices may still persist in various forms such as reverse redlining or more clandestine methods.