Disparate impact is a dismal theory of political racial policy used by the Obama Administration to accomplish political ends and punish businesses.
It makes the bad assumption that statistics can explain the results of, principally, lending practices and housing and business practices "without showing evidence of actual discriminatory intent."
This is like being declared guilty before being proven innocent, the opposite of the foundational American legal principle of innocence until proven guilty.
See WSJ, Nov 4, 2014, Opinion Section: http://online.wsj.com/articles/disparate-impact-rejected-1415059893
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