● HIGH✓ CONFIRMED
CFPB issues guidance citing AI credit-scoring model that allegedly produced disparate-impact outcomes
- Date of incident
- September 18, 2025
- Jurisdiction
- US-US
- Sources
- 1 cited
- Last verified
- April 20, 2026
Summary
The Consumer Financial Protection Bureau issued enforcement guidance citing a credit-scoring model that, according to the agency's analysis, produced loan-approval rates disproportionately lower for protected classes. The lender entered a consent order including remediation payments without admitting liability. The guidance reinforces that Equal Credit Opportunity Act requirements apply to algorithmic decisions.
What is confirmed
A CFPB consent order issued September 18, 2025 cites disparate-impact outcomes in loan approvals. The lender agreed to a settlement without admitting liability.
Sources
- 01CFPB — Consent Order, CFPB-2025-CFB-0019primary9/18/2025