Thanks. I have to get CFPB training every year at my job. Only problem is giving loans to people who can’t afford to pay them back. I guess this falls under disparate impact which can still get someone in trouble

deliberately avoided writing mortgages in minority-majority neighborhoods

Sounds like good business sense to me. I don't see any black owned banks lending money to those people.

These are some of the worst neighborhoods in the United States, by the by. Camden had a running record for murder capital of America. The West Philly neighborhood was recently in the news...teenagers beat an elderly man to death I think? Maybe it was the traffic cone guy? Who can keep track.

The idea that mortgages in these places would be rejected for anything other than because these territories are absolutely savage, is hilarious.