When a lender makes it difficult or impossible for a particular neighborhood to borrow money, it is called "redlining." Redlining is a discriminatory practice where financial services, particularly loans, are withheld from certain neighborhoods, often based on racial or ethnic factors. This practice historically targeted minority communities, denying them access to credit and contributing to economic disparities. Redlining has been illegal in the United States since the Fair Housing Act of 1968, but its effects have had lasting impacts on affected communities.
Additionally, a related concept is "predatory lending," where lenders impose unfair or abusive loan terms on vulnerable borrowers, often disproportionately affecting minority neighborhoods.