Simon Willison’s Weblog

The Consumer Financial Protection Bureau (CFPB) supervises, sets rules for, and enforces numerous federal consumer financial laws and guards consumers in the financial marketplace from unfair, deceptive, or abusive acts or practices and from discrimination [...] the fact that the technology used to make a credit decision is too complex, opaque, or new is not a defense for violating these laws.

— The Consumer Financial Protection Bureau (PDF)