Birdwatch Note Rating
2023-04-30 19:22:40 UTC - NOT_HELPFUL
Rated by Participant: A70BAFAFDB03EB2FB2992C7E12126DBAFC73C8D39370949334C82C1183089B60
Participant Details
Original Note:
Credit scores are meant to protect institutions from poor lending individuals. It’s illegal to discriminate or build models based on race. Discrimination as a result comes from institutions and data limitations. https://www.fdic.gov/regulations/examinations/supervisory/insights/sisum05/sisummer05-article3.pdf https://hai.stanford.edu/news/how-flawed-data-aggravates-inequality-credit
All Note Details