April 16, 2026
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4:36Now PlayingAI systems used by mortgage lenders are trained on historical housing data that includes decades of documented discrimination, embedding those patterns into modern lending decisions. These tools now influence who gets approved, denied, or offered worse terms, often along the same lines as past redlining practices. At the same time, federal policy changes are pulling back enforcement of disparate impact standards, reducing the pressure on lenders to audit or correct biased outcomes. The combination leaves algorithmic decisions shaping access to housing without the same level of accountability that existed before. Ring of FIre's Josh G. discusses.
United States v Trump
New York Times
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