It's not the role of the loan industry to make it easier for black people who appear to be a higher statistical risk to get loans. That's the purpose of governm

It's not the role of the loan industry to make it easier for black people who appear to be a higher statistical risk to get loans. That's the purpose of government- to make it illegal to include genetic history in life insurance models- provided that society believes in that principle. Another way to say that - one that appears less uncaring to readers - would be “yes, including birth month or race in insurance risk calculations would be unfair+, so it should not be done. If necessary, the government should step in to prevent this”. + you may squabble with the use of ‘unfair’ here - obviously it is not ‘unfair’ in the stastical sense, but that’s not what the word generally means in spoken English. ‘Inequitable’ would be better, but for some reason ‘equity’ seems to be evolving to mean ‘at all costs, produces equality of outcome’ and so is a victim to the same problem in the opposite direction. I chose the more common word. [edit: I used insurance here, sorry - the same would apply to loans I think]