I was trying to think of how to specify this position more precisely: 1. Certain factors are thought to be causally correlated with higher default rates by ind

I was trying to think of how to specify this position more precisely: 1. Certain factors are thought to be causally correlated with higher default rates by individuals. 2. Certain populations have higher incidences of individuals matching such factors. 3. These populations have higher than average default rates. 4. Other factors that correlate with membership in these populations will thus be also correlated with higher defalt rates. 5. For an algorithm to be fair, it must be restricted to using only vectors for which causality can be proved. One of the questions is, even if a vector is "proved" to be causal, would it be disallowed if it also strongly predicted membership in a protected population?