Music preferences undoubtedly would be correlated with risk. You still can't use them because of disparate impact. To get away with making a decision in a way

Music preferences undoubtedly would be correlated with risk. You still can't use them because of disparate impact. To get away with making a decision in a way that has disparate impact, you need to have a legitimate need to be making the decision that way. In the case of income, you can justify needing to use it in your decision, because income is directly connected to ability to repay. In the case of music preferences, you can't, because there is no direct connection to loan risk.