I mean, this is kinda the point. No matter what you do, you'll be discriminatory (to a very high likelihood). Even if you don't look at the break-downs of your

I mean, this is kinda the point. No matter what you do, you'll be discriminatory (to a very high likelihood). Even if you don't look at the break-downs of your data, you will be discriminating against some group or another. It is incredibly unlikely that you can max/min two curves at once, let alone for all the classes, races, sexes, castes, genders, etc. that exist. I agree that root causes should be addressed first and is the best use of time and resources. However, that's not how journalists see it. They see a red-meat story and they go with it. Federal investigators, journalists, community organizers, etc don't really care what metrics the banks are using/not-using, they care about the results. And I'm saying that there will very nearly always be discrimination if you use nearly any metric. And that's not a bad thing. Being in a Catch-22 is part of life. Trying to get out of one is the thing that matters.