"Every economic mobilization in American history has exploited marginalized people. The Home Owners' Loan Corporation (HOLC)-created during the New Deal to provide loans to homeowners facing foreclosure-often labeled predominantly black neighborhoods as "high risk," which discouraged lending and encouraged redlining. Today, 74 percent of the neighborhoods labeled "high risk" are low- to middle-income neighborhoods, and 64 percent are predominantly minority-meaning that these areas are still racially and economically segregated to this day."