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A comment on About the Apple Card. Parent comment

Re:About the Apple Card by TuringNYC on Monday November 11, 2019 @01:47PM (#21507558)
Is it legal to model that type of dynamic into credit decisions? I've never heard of being able to use that type of social dynamic into a very regulated financial product.
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Re:About the Apple Card by dragonwriter on Monday November 11, 2019 @01:50PM (#21507598)
Even if it is not legal to do so explicitly, there are probably a number of things which correlate with it that it is legal to use, which end up with the same effect. And indirect (disparate impact) discrimination without intent to discriminate on a prohibited basis isn't generally illegal in the US except in employment law.
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