What is the main focus of the Fair Housing Act in context with lending practices?

The main focus of the Fair Housing Act in the context of lending practices is preventing redlining. The Fair Housing Act was designed to eliminate discrimination in housing based on race, color, national origin, religion, sex, familial status, or disability. Redlining refers to the practice of denying loans or insurance to individuals or areas based on racial or ethnic composition. By addressing redlining, the Fair Housing Act aims to ensure that all individuals have equitable access to housing finance, thus promoting fair lending practices that do not discriminate against any group.

This focus aligns with the Act's broader goal of fostering equal housing opportunities for all, preventing discriminatory lending practices, encouraging inclusivity, and promoting diverse neighborhoods. Although concepts like affordable housing, equal access, and home ownership are significant in the larger conversation about housing rights and equity, the specific prohibition of discriminatory practices such as redlining is integral to the Fair Housing Act's objectives, making it the most relevant answer in this context.