"Virtually every lender in the United States could be sued for using non-discriminatory credit standards simply because variations in economic and credit characteristics produce different credit outcomes among racial and ethnic groups."
According to HUD, long-term solutions include "helping people gain access to different neighborhoods and channeling investments into under-served areas." The mapping tool may guide development and zoning decisions, for example.
His remedy — short of new affirmative-action legislation — is to sue financial companies, schools and employers based on "disparate impact" complaints — a stealthy way to achieve racial preferences, opposed 2 to 1 by Americans. Under this broad interpretation of civil-rights law, virtually any organization can be held liable for race bias if it maintains a policy that negatively impacts one racial group more than another — even if it has no racist motive and applies the policy evenly across all groups.