This part doesn't make sense to me: want proof you are not discriminating against a protected class If black people are poorer on average, then even if the sy

This part doesn't make sense to me: want proof you are not discriminating against a protected class If black people are poorer on average, then even if the system takes only takes personal history in account, black people will inevitably get worse credit rating on average. It just follows from the premise, unless banks participate in some form of race-based redistribution which I find distasteful. How's it supposed to work in your opinion?