Second, the value of a conversation is greater when those who engage in it understand its relevance and importance. Otherwise, discussion is just chatter, intellectual calisthenics or a venturing into hypothetical thinking. Thankfully, we are here not just to engage in an academic exchange.
3 The CRA was intended to reinforce the other statutes in addressing redlining, wherein banks declined to make loans or extend other financial services in neighborhoods of largely Black and other minority households, in part based on government maps that literally delimited these neighborhoods in red as high credit risks (figure 1).