There is a federal law that prohibits home lending discrimination, the 1968 Fair Housing Act and the 1977 Community Reinvestment Act (CRA) . If one wonders if red lining still happens...yes it does. It just happens in a different form. The red lining that occurred in the 1930's shaped the demographic and wealth communities of today. The banks today don't always deny or dispute that they turn people of color away at rates greater than white people, but they have reasons for such disparity including: credit history and debt-to-income ratio. The same government that helped white wealth, also took land from people of color and denied them education. Minorities living in a poor area often means lower quality schooling. This often leads to students dropping out of school to help take care of their family. This leads to having a harder chance of finding a job that pays well. This then leads to the profiling of criminalization and the relationship with poverty and imprisonment. With all of that being said, what led minorities to imprisonment- lack of educational experience, lack of employment experience, and high poverty level...will likely keep minorities incarcerated. The cycle must be broken with education reform, but racism being the biggest cycle we must break.