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What is the unethical practice that puts services (financial and otherwise) out of reach for residents of certain areas based on race or ethnicity such

What is the unethical practice that puts services (financial and otherwise) out of reach for residents of certain areas based on race or ethnicity such that systematic denial of mortgages, insurance, loans, and other financial services occur based on location (and that area's default history) rather than an individual's qualifications?

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