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Cake day: June 11th, 2023

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  • With respect to data, there does seem to be a damning amount of it in the CFPB dataset they analyzed for the article. The fact that approvals were this disproportionate even when accounting for “income, debt-to-income ratio, property value, downpayment percentage, and neighborhood characteristics” is alarming. Specifically with respect to income, approval for lowest-quartile whites exceeded that of highest quartile blacks. Yes, credit score was not available in the dataset, but we know it doesn’t fully explain the gap because of its frequency as a cited reason for denial, and reliance on credit doesn’t really do much to dig NFCU out of this hole IMO.

    I’m tempted to agree with the authors assessment that the use of automated tools by the underwriters is a likely contributor. Use a tool trained on historically racist data and practices, and that’s what you’ll get more of.



  • Throughout the trial, the Grenons represented themselves but did not speak in their defense, seemingly as a form of protest. They had court-appointed defense attorneys who stood by during the trial, but the Grenons did not allow them to speak for them.

    In July, it took a Miami jury just 30 minutes to return the guilty verdicts for the four men, according to the Miami Herald.

    The Herald reported that the men broke their silence during sentencing last week to plead for mercy and protest their prison terms.

    Didn’t work out like ya hoped, huh?