Direct answer
What does Redlining mean?
Denying, restricting or worsening housing-related services because of an area's location or protected-class makeup.
Exam cue: The conduct can involve lending, insurance or other housing services, not only property showings.
What does it look like in a question?
New York example
A lender refuses to consider applications from a neighborhood because of its racial composition.
Common exam trap
What should you not confuse it with?
Redlining concerns area-based service discrimination. Steering directs individual housing choices.
Related fair housing terms
Sources used4 references with section locators
The curriculum citation confirms exam scope. Definition and rule citations support the explanation itself. Links and locators were checked on August 26, 2026.
- Real Estate Salesperson 77-Hour CurriculumNew York State Department of StateSupports: Exam scopeSection: Subject 9, Human Rights and Fair Housing
- Fair Housing Protections Under the New York State Human Rights LawNew York State Division of Human RightsSupports: New York ruleSection: Protected characteristics and prohibited housing practices
- Fair Housing Act OverviewU.S. Department of Housing and Urban DevelopmentSupports: Federal ruleSection: Federal Fair Housing Act overview
- Understanding RedliningConsumer Financial Protection BureauSupports: Federal ruleSection: Definition and lending context
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