When I briefly worked in payday lending, I learned there were certain credit approval methods that were categorically illegal. And we had to be auditable, so wasn&#x27;t like we could just bury the crime in algorithms.<p>Address information, e.g. living in a poor neighborhood or living near defaulters could not be used in credit scoring. Race could not be used in credit scoring. I forget what else, but there were some regulations in place. Watch for Facebook to lobby to have those eliminated, or pursue technology that somehow allows them to hide or skirt use of unlawful scoring methods.