Anti-discrimination laws have historically targeted a company’s intent but in 2015, a Supreme Court ruling allowed certain types of outcomes to be considered discrimination even if there was no explicit intent to discriminate. This is called disparate impact and we think this is really bad policy. It has the opposite affect of what our government intends. My guest Werner Kruck talks about how this dynamic actually raises costs and limits choices in the financial services industry for poor and minority folks. There are better ways to address inequities in our country. Join us in this fascinating  “root cause” analysis.

United We Stand. Divided We Fall. Each One for the Other, and All for All.