I always wondered: what if redlining worked from a financial perspective? If it turned out that Ethnic Group A is on average 5% more reliable about paying thei

I always wondered: what if redlining worked from a financial perspective? If it turned out that Ethnic Group A is on average 5% more reliable about paying their debt, this is valuable information, but the banks are legally bound to ignore it. So they've probably spent a lot of time trying to produce similar metrics through proxy measurements. Seek out a profession or purchasing pattern that suggests a given ethnicity without outright saying it. I suspect AI is, from a legal CYA perspective, the greatest proxy of them all. "It's a black box, we don't/can't know how it produces its results... yet mysteriously it biases exactly how we would if we could overtly discriminate."