From: "Matthew J. Miszewski" <mjmiski@execpc.com>
Date: Wed, 11 Dec 1996 21:27:14 -0800 (PST)
To: "Timothy C. May" <tcmay@got.net>
Subject: Re: Redlining
Message-ID: <3.0.32.19961211232644.006a1994@execpc.com>
MIME-Version: 1.0
Content-Type: text/plain


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>Nor is it to me. So neither of us will likely object to the neural
>net-based lending programs which feed in a bunch of applicant data points,

You will not get objections from me either.  I would advise the banks to
make sure they accept all applicants and widely distribute the
announcement.  I would like them to make extra efforts to examine the
potential market in historically redlined areas.  I am not suggesting
forcing them to do so legislatively.  I never suggested a quota system.

My point is not that inputing all data you will get equivalence between
creditworthiness and racial makeup.  My point is that redlining exists and
I would favor the elimination of the practice.  Given a good program that
somehow magically gets to all potential debtors would have the result I
intend.  Not a quota system.  Equal access to capital.

Matt


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