I cannot conceive of a "stronger" explanation for what the GP stated. What kind of good faith argument could possibly be assumed in that guy asking that maybe reexamining Redline laws isn't the worst thing. It's a vile thing to say, and a statement made, I can only assume, in utter and wanton disregard of racial history of the United States.

It's a bit shameful that you flagged the parent and not the grandparent, who seems to be playing devil's advocate purely for the sake of an argument.

It's very clear what they were saying, is that if one follows the law at all time there is no chance that a bad thing will "accidentally" happen.

You are actually the one violating that policy.

Having been in a mixed-race relationship where one partner is brown, I can tell you firsthandedly that if you think racism is rare, then you’re probably white or Asian or you have consistently lived in areas where racism is actually rare. I lived in places where when I was young, I never saw anyone engage in racist behaviors. This changed the moment I entered that relationship. It may have ended long ago, but it’s definitely made me more aware of the subtle ways that people show prejudice when it’s not outright. Is it a majority? No. At least one in ten? Much closer to reality. We’ve got a long way to go, even still. Don’t forget that schools were still segregated in America less than a century ago — there are leaders in government and industry that grew up in that environment. You’ve got at least two generations to die off before we can really say that the impacts of that era are negligible.

That might be phrased stridently but it's not 'putting words into someone's mouth'. It's a question.

It's a form of discrimination though admittedly not the most egregious form of discrimination. The HUD has explicit regulations and guidelines involving "Selective use of advertising media or content" and "Selective geographic advertisements".

The legal threshold for discrimination is set a lot lower for housing than it is in other scenarios For good reason too -- the consequences of discriminated, for example, at a coffee shop are far less impactful than being discriminated for what housing you can find and obtain.