In 1934 as part of the New Deal, the government created the Home Owner’s Loan Corporation (HOLC) and the Federal Housing Administration with the goal of preventing foreclosures through mortgage refinancing. The Home Owner’s Loan Corporation (HOLC), a government sponsored lender, proceeded to draw maps of American cities to determine which areas were worthy of mortgage lending and which areas were too high-risk. The term “redlining” was coined to explain this practice of denying loans and services based on a neighborhood’s demographic makeup. In 1968, the Fair Housing Act made these maps and practices officially illegal, but the long-term ramifications continue on 50 years later. We, as parents, teachers, youth workers, or mentors have often grown up with “red lines” in our lives, especially those of us raised with a faith-based background. Red lines are topics, or even people, we aren’t sure we want to be involved with.
