This should be illegal. The credit unions are bad enough but this is egregious. Software should not be allowed to affect humans without a complete explanation o

This should be illegal. The credit unions are bad enough but this is egregious. Software should not be allowed to affect humans without a complete explanation of how it works, how it reached its decision, and a human with authority to appeal to. Frankly, a bunch of the uses here already seem illegal like denying people the ability to rent or to get a job based on some black box software that provides hidden information on people. How can we even know the software isn't something like: if (race === black) deny Application(); Artificial intelligence indeed. From 1820.