AI Challenging Banks Lending Practices

Artificial Intelligence may be pushing the limits of decision making. Banks that want to use AI still have to adhere to several industry specific rules primarily around transparency. Other industries like tech don't have the same hurdles to climb when it comes to regulation around there AI efforts. Rules for banks were put in place to protect poor and minority consumers, including laws which are supposed to ensure the equal treatment of customers. Are black people going to fall further behind in getting approved for loans and credit cards if banks start using AI for lending decisions?