Birdwatch Note Rating
2023-04-30 03:06:00 UTC - NOT_HELPFUL
Rated by Participant: DD72BA7253235D4B49404722FC28768486073B9F6B5D4519D89D5EF5278B0D0D
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