I’m not super happy with the lack of supporting data, just colorful graphs and a lot of emotional anecdotes but there is a clear disparity that I think warrants greater investigation. I love the credit union movement and was shocked to read this article. I would love to hear your opinions lemmings!
It’s easier to ask for it upfront and ban companies from using than try and reconstruct the data to analyze after the fact. There scale of discrimination was so severe in housing the government forces this information to be collected and reported for all applications, because it’s easier to detect the discrimination that way. There’s also penalties for not submitting the race or ethnicity on enough applications.