Government shakedown with phony social science mumbo jumbo. The racial profiling by the CFPB would be criminal if conducted by anyone else. As with most government programs it is and will work in reverse...expect the "credit challenged" to pay more not less for loans as credit availability shrinks for "hard to place' credit risks. This type of intrusive hand of government and "assumed guilty based on statistics" tactics are worthy of totalitarian governments we use to stand against. Take the time to re-read Orwell's 1984.