> due to their protected attributes or proxies thereof By definition, if it's algorithmic, it's not discriminating due to protected (or any other) attributes -

> due to their protected attributes or proxies thereof By definition, if it's algorithmic, it's not discriminating due to protected (or any other) attributes - it's discriminating very strictly on ability to repay with absolutely no bias, because it's literally an unthinking, unfeeling machine. Forcing ML models to find specific results rather than actually letting the models do what they were designed and asked to do renders them useless, but that may be the goal.