AI has exacerbated racial bias in housing. Could it help eliminate it instead?

This discussion has been edited and condensed for clarity. McIlwain: When I testified before Congress last December about the impact of automation and AI in the financial services industry, I cited a recent study that found that unlike human loan officers, automated mortgage lending systems fairly approved home loans, without discriminating based on race. However, the automated systems still charge Black and Hispanic borrowers significantly higher prices for those loans. This makes me skeptical that AI can or will do any better than humans. Did you draw the same conclusions?