4 ms·

This shouldn't matter for a married household with merged finances - they count whatever income the respondent can rely on to pay their bills.

• rpmisms 7y ago
  Except that statistically, men more often have control of finances. This debacle is regressive, but very likely based on market research.
  • TuringNYC 7y ago
    Is it legal to model that type of dynamic into credit decisions? I've never heard of being able to use that type of social dynamic into a very regulated financial product.
    • deleted 7y ago
      [deleted]
    • dragonwriter 7y ago
      Even if it is not legal to do so explicitly, there are probably a number of things which correlate with it that it is legal to use, which end up with the same effect. And indirect (disparate impact) discrimination without intent to discriminate on a prohibited basis isn't generally illegal in the US except in employment law.
  • dudul 7y ago
    Statistically false. Women account for 85% for all purchases, they control 60% of all wealth in the US, 40$% of them out-earn their spouse. https://girlpowermarketing.com/statistics-purchasing-power-women/ https://girlpowermarketing.com/statistics-purchasing-power-w...
    • rpmisms 7y ago
      40%. That's 60% who don't, which is why the banks might assume that the men are primarily the breadwinners. Also, banks are slow to change, and I'm positive those numbers have shifted fairly recently.