Redlining is a discriminatory practice in which banks and other financial institutions refuse to provide services, such as mortgages or insurance, to people living in certain areas based on their race or ethnicity. It has been illegal since the passage of the [[Fair Housing Act (FHA)]] of 1968. Redlining is considered a form of institutional racism, as it disadvantages specific groups based on their demographic characteristics. Redlining prevents people from accessing resources that can help them build wealth, create businesses, and improve their economic standing.