Redlining dates back to 1933, when the U.S. government created the Home Owner’s Loan Corporation (HOLC) to bolster the housing market and homeownership opportunities across the nation. The HOLC created residential securities maps, better known as redlining maps, to guide investment in U.S. cities. These maps assigned grades to neighborhoods to indicate their desirability for investment. Black, immigrant and low-income neighborhoods were often given low grades, eliminating their access to mortgage insurance or credit for decades. Although the HOLC was discontinued in 1951, the impact of disinvestment resulting from redlining is still evident in Louisville and most other U.S. cities today.