Fair Housing
An Oklahoma lender who uses an algorithm or automated underwriting system that produces loan denials at higher rates for minority applicants without business justification may be engaging in:
ALegal use of objective technology
BDisparate impact discrimination even without discriminatory intent✓ Correct
CStandard risk-based underwriting
DFDIC-approved lending practices
Explanation
Disparate impact occurs when a neutral policy (including algorithmic or automated decisions) produces discriminatory outcomes for protected classes without business justification. The Fair Housing Act and ECOA prohibit practices with disparate impact even if unintentional.
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