連續三次遭拒
Tina and Sheldon are talking about their mutual friend, Austin, whose mortgage request has been denied multiple times.
緹娜和謝爾頓談到他們的共同朋友奧斯丁的房貸申請多次遭拒。
deny(v.)否決、拒絕decline(v.)否決、拒絕approve(v.)核准、通過
Tina: Do you know Austin was redlined when he tried to get a mortgage?
緹娜：你知道奧斯丁的房貸申請遭否決了嗎？
redline(v.)否決(申請)
Sheldon: Again? That’s three denials in a row.
謝爾頓：又一次啊？連續三次遭拒欸。
denial(n.)否決、拒絕in a row 連續
Tina: I can’t help but wonder if he has been discriminated against because of where he lives. Some lenders do put lending services out of reach for residents of certain neighborhoods.
緹娜：我不禁好奇他是不是因為居住的地點才遭差別對待的。有些貸款機構確實會讓特定住宅區的居民難以申貸。
can’t help but RV 不禁～discriminate(v.)歧視、差別對待in favor of 有利於～put sth. out of (one’s) reach 使某人搆不著某物
Sheldon: What I know is that such a practice is illegal. If it is found to be true, he should file a report to the Consumer Financial Protection Bureau.
謝爾頓：據我所知，這種做法是違法的。如果發現真有此事，那他該向消費者金融保護局檢舉那家貸款機構。
practice(n.)做法、慣例、常規legal(adj.)合法的
Tina: In some cases, lenders impose higher rates and stricter repayment terms on borrowers on the grounds of their gender, race, religion, marital status, disabilities, age, etc.
緹娜：在某些情況下，貸款機構會基於借貸者的性別、種族、宗教、婚姻狀況、殘疾、年紀等，向他們徵收高額利率並實施更嚴格的還款規定。
impose(v.)實施、實行on the grounds (basis) of sth. 以某事為依據或理由
Sheldon: In fact, there are laws that prohibit redlining. Lenders should take into account factors such as one’s credit history, income and property condition when it comes to the assessment of an applicant’s ability to repay the money.
謝爾頓：事實上，法律有明文禁止歧視性貸款政策。貸款機構在評估申貸者還款能力時，應考量他們的信用紀錄、收入與屋況等因素。
prohibit(v.)禁止take sth. into account 將某事物列入考量assessment(n.)評估
Tina: But let’s admit that there’s a gray area for mortgage lending since redlining doesn’t always come in blatant forms.
緹娜：但我們不得不承認房貸申請存在著灰色地帶，因為歧視性貸款政策並非總是以公然的形式出現。
a gray area 灰色地帶blatant(adj.)公然的、明目張膽的=obvious and intentional