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Originally Posted by FMCoug
You can't help but bring race into this can you? To your first point, it would not be unreasonable to consider those who can't afford to feed their families higher risk. The 2nd point is completely irrelevant.
How about data that says foreclosures are 50% higher in the area. Or that 50% of homeowners are behind in their payments. Or that crime is astronomical so responsible people don't want to live there? All valid factors IMO.
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you never 1) answered what your experience in the area is 2) explained what you know of predictive modeling in consumer loans 3) nor have you provided any evidence that your approach, widely acknowledged as racist, is good business.
Yeah, you can get away with espousing these views in the church. But try going around to other places, and get away with saying "there is no racism in redlining."
Maybe you can get SU to argue for you. He seems to live fascism these days.