When Delores Kennedy-Williams moved to Indianapolis 53 years ago with her late husband, she was well aware of the city’s redlining past. Despite the challenges, the couple put down roots and bought a home in 1990. What she didn’t know then was how enduring that system would prove to be.  Over the ensuing decades, the now 88-year-old Black woman has witnessed the lasting effects of redlining unfold in her neighborhood: a decrease in Black homeowners, unequal lending, ongoing disinvestment, gentrification and a rise in institutional investors buying homes and turning them into rentals.  “I’ve watched the community go down, come up, go down and come up. I’ve seen the neighborhood change right before my eyes.” — Delores Kennedy-Williams Indianapolis homeowner What Kennedy-Williams has witnessed is more than a housing shift. It’s a story of financial freedom and stunted progress.  To understand this fully, we need to go back to the 1930s.…