[hellllllllooo]

> Does the fact that black Americans used to be slaves in the US, or were kept out of certain housing markets, contribute towards the fact that black Americans, on average, have lower credit scores, income, wealth, and collateral? Of course. But is this model racist? Literally not at all.

Saying that because history was racist means I'm absolved of responsibility going forward is not a strong argument. Redlining was literally a racist behavior. The point of the article is to be aware of it so you can try do better than in the past.