That assumes the regulations encourage good lending practices they don't.
The 'disparate impact' or DIFFERENCES IN OUTCOME are a violation of Civil Rights laws

> The U.S. Supreme Court has held that the Fair Housing Act of 1968 creates a cause of action for disparate impact.[7] Disparate impact contrasts with disparate treatment. A disparate impact does not require a showing of intention, whereas a disparate treatment is an intentional decision to treat people differently based on their race or other protected characteristics. 

Banks have been sued because of it, banks were sued because they did not give loans in equal measure to people less able to pay them back.

https://en.wikipedia.org/wiki/Disparate_impact

All that academic bullshit idealist bullshit assumes we aren't living in a corrupt and utterly retarded nigger cattle feed lot, with a bunch of parasites. They are under the microscope all right, and they better get with the program.

https://invidio.us/watch?v=8Nbvd3FOLUA