All right, thanks for the explanation. Still don't think I agree, though - as an offhand example, redlining is still a thing.
Fair enough, there's probably a mix of factors in here that, to be honest, I never really had the interest to learn about. I agree that redlining is wrong (although if a district has a history of bad credit, I can understand not wanting to give loans to people from that district, but giving loans to white people but not black people from the same district is still wrong), and that making laws to make it illegal and enforcing those laws when possible is necessary. Granted, considering how much other crap banks get away with nowadays might make racism in loans a fairly low priority by comparison, but that's a wholly different discussion.