If others in this thread are correct and the explanation will be a sort of sensitivity analysis (meaning that the factors relevant for the decision have to be communicated) that will amount to discrimination. It doesn't matter if some employee judges customers by their skin colour or if someone build a convenient algorithm to do it for them.
I think name-based decisions are pretty obviously racist. I'm wondering about the less correlated variables such as addresses.
I'm under impression that USA is still segregated enough so that for many places, an address (or even districts/towns) will be a very strong indicator of race.
I think name-based decisions are pretty obviously racist. I'm wondering about the less correlated variables such as addresses.