In January 2021, the Board implemented a revised review process for submitting and reviewing high-risk redlining matters to improve efficiency. Redlining is illegal discrimination that occurs when a lender provides unequal access to credit, or unequal terms of credit, because of the race, color, national origin, or other prohibited characteristics of the residents of the area where the prospective borrower resides, plans to reside, or seeks to obtain a mortgage on a residential property

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