While the term "redlining" is now used to describe racial discrimination generally, its origins can be traced to the 1930s and the practice of lending institutions to use color-coded maps as a basis for determining whether loans could be given. The federal government identified potential risks at four different levels and neighborhoods identified as "D" were considered the riskiest and essentially not eligible for loans. Those neighborhoods were predominantly the homes of Black people. Redlining in terms of making loans ended with the Fair Housing Act of 1968.