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"In the 1970's, there was the original 'redlining' - financial institutions literally drawing red lines around African-American neighborhoods in which they refused to make loans...In recent years, a new twist on redlining has emerged, and once again low-income, mostly African-American residents are it target." Baltimore's City Paper takes a look at the process of predatory-lending that takes place within the inner-city thanks to 'subprime' mortgages. Subprime mortgages are high-interest, high fee loans that trap low-income in a cycle of hidden costs, defaults on loans, and foreclosure.