I always wondered how redlining actually worked.
Crazy right, people seriously need to check that article. Will have you

I always wondered how redlining actually worked.

ghetto (n.)
1610s, "part of a city in which Jews are compelled to live," especially in Italy, from Italian ghetto "part of a city to which Jews are restricted," of unknown origin.
http://www.etymonline.com/index.php?term=ghetto&allowed_in_frame=0
Isaiah 1
2 Hear, O heavens, and give ear, O earth: for the Lord hath spoken, I have nourished and brought up children, and they have rebelled against me.
3 The ox knoweth his owner, and the ass his master's crib: but Israel doth not know, my people doth not consider.
Exactly! The word ghetto isn't even American but any people in tight quarters are going to clash.Honestly when I think of the word ghetto, I think white jews during the holocaust. I don't associate it with being black or black culture.
Nice video, 5*
Didn't you numb nuts pay attention in high school.
Everybody lived in urban areas but they were all segregated. Then over time they got closer and closer.
Then something called highways and freeways were created
Then subdivisions outside of heavily populated cities were created.
Then people who could afford to bounce did (mainly white people).
They took their tax dollars with them as well which lead to few tax dollars in urban areas.
Then there is the education system which other races (mainly black people) where systematically held back..
CAC's had a long as head start from a economic stand point as well.

When Clyde Ross was still a child, Mississippi authorities claimed his father owed $3,000 in back taxes. The elder Ross could not read. He did not have a lawyer. He did not know anyone at the local courthouse. He could not expect the police to be impartial. Effectively, the Ross family had no way to contest the claim and no protection under the law. The authorities seized the land. They seized the buggy. They took the cows, hogs, and mules. And so for the upkeep of separate but equal, the entire Ross family was reduced to sharecropping.
the Associated Press published a three-part investigation into the theft of black-owned land stretching back to the antebellum period. The series documented some 406 victims and 24,000 acres of land valued at tens of millions of dollars. The land was taken through means ranging from legal chicanery to terrorism. “Some of the land taken from black families has become a country club in Virginia,” the AP reported, as well as “oil fields in Mississippi” and “a baseball spring training facility in Florida.”
@Marvel“He loads them up with payments they can’t meet,” an office secretary told The Chicago Daily News of her boss, the speculator Lou Fushanis, in 1963. “Then he takes the property away from them. He’s sold some of the buildings three or four times.” Their efforts were buttressed by the federal government. In 1934, Congress created the Federal Housing Administration.
The FHA had adopted a system of maps that rated neighborhoods according to their perceived stability. On the maps, green areas, rated “A,” indicated “in demand” neighborhoods that, as one appraiser put it, lacked “a single foreigner or Negro.” These neighborhoods were considered excellent prospects for insurance. Neighborhoods where black people lived were rated “D” and were usually considered ineligible for FHA backing. They were colored in red. Neither the percentage of black people living there nor their social class mattered. Black people were viewed as a contagion. Redlining went beyond FHA-backed loans and spread to the entire mortgage industry. the FHA adopted a racial policy that could well have been culled from the Nuremberg laws

Contract sellers became rich. North Lawndale became a ghetto. Lou Fushanis owned more than 600 properties, many of them in North Lawndale, and his estate was estimated to be worth $3 million. He’d made much of this money by exploiting the frustrated hopes of black migrants like Clyde Ross. “When I found myself caught up in it, I said, ‘How? I just left this mess. I would probably want to do some harm to some people, you know, if I had been violent like some of us. I thought, ‘Man, I can’t even take care of my kids.’ I didn’t have enough for my kids. You could fall through the cracks easy fighting these white people. And no law.” Today Sharkey’s research shows that black families making $100,000 typically live in the kinds of neighborhoods inhabited by white families making $30,000.