[Edit: The article says the ultimate nightmare is the banks using this to access data that they can't ask you for on forms. That is unlikely. What they'll do instead is do exactly what credit scoring does: develop an algorithm which a) improves assessment of risk and b) is totally, verifiably blind to all protected classes which c) happens, as a side effect, to correlate very strongly with membership in certain protected classes.]
http://news.ycombinator.com/item?id=954276
[Edit: The article says the ultimate nightmare is the banks using this to access data that they can't ask you for on forms. That is unlikely. What they'll do instead is do exactly what credit scoring does: develop an algorithm which a) improves assessment of risk and b) is totally, verifiably blind to all protected classes which c) happens, as a side effect, to correlate very strongly with membership in certain protected classes.]