Birdwatch Note Rating
2023-05-01 04:27:24 UTC - HELPFUL
Rated by Participant: BCF92F1B079341D9F57694D4D3B2E84BAC33D7B3FDF52324229C7A8000DEE18B
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