Birdwatch Note Rating
2023-04-30 14:31:51 UTC - HELPFUL
Rated by Participant: BE32F9E2A4AC559B28F46A5A23309F2C8CC88D12033B171D77E9CAF9B4167EE7
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