{"id":640,"date":"2017-09-14T11:36:25","date_gmt":"2017-09-14T11:36:25","guid":{"rendered":"http:\/\/bhide.net\/?p=640"},"modified":"2020-10-27T08:11:24","modified_gmt":"2020-10-27T12:11:24","slug":"equifax-critics-are-missing-the-bigger-point-wall-street-journal-op-ed","status":"publish","type":"post","link":"https:\/\/bhide.net\/wordpress_files\/index.php\/equifax-critics-are-missing-the-bigger-point-wall-street-journal-op-ed\/","title":{"rendered":"Equifax Critics Are Missing the Bigger Point (Wall Street Journal op-ed)"},"content":{"rendered":"<header class=\"article_header module\">\n<div class=\"zonedModule\" data-module-id=\"15\" data-module-name=\"article.app\/lib\/module\/articleHeadline\" data-module-zone=\"article_header\">\n<div class=\"wsj-article-headline-wrap \">\n<h2 class=\"sub-head\"><a href=\"https:\/\/www.wsj.com\/articles\/equifax-critics-are-missing-the-bigger-point-1505343139#comments_sector\">Fair-lending laws turned consumers into anonymous credit scores\u2014and a target for identity thieves.<\/a><\/h2>\n<div class=\"byline\">\n<div class=\"author hasMenu\" data-scrim=\"{&quot;type&quot;:&quot;author&quot;,&quot;header&quot;:&quot;Amar Bhid\u00e9&quot;,&quot;subhead&quot;:&quot;The Wall Street Journal&quot;,&quot;list&quot;:[]}\">(Appeared in the September 14, 2017, print edition. )<\/div>\n<\/div>\n<p>In a longer <a class=\"m_-4272113031011838894rte-from-internet\" href=\"https:\/\/papers.ssrn.com\/abstract=2438974\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?hl=en&amp;q=https:\/\/papers.ssrn.com\/abstract%3D2438974&amp;source=gmail&amp;ust=1505474616153000&amp;usg=AFQjCNHrarcGZ5c888hAiiQraIwzLYUGaQ\">working paper<\/a> I further argue that reducing individuals to scores has also undergirded the vast growth of anonymous markets in securitized consumer and mortgage loans.<\/p>\n<\/div>\n<\/div>\n<\/header>\n<div class=\"column at8-col8 at12-col7 at16-col9 at16-offset1\">\n<div class=\"module\">\n<div class=\"zonedModule\" data-module-id=\"14\" data-module-name=\"article.app\/lib\/module\/articleBody\" data-module-zone=\"article_body\">\n<div id=\"wsj-article-wrap\" class=\"article-wrap\" data-sbid=\"SB11355978261241084649204583389081785285880\" data-immersiveads=\"\">\n<h3 id=\"cx-articlecover\"><\/h3>\n<div class=\"media-object header header\" data-layout=\"header \" data-layout-mobile=\"\">\n<div class=\"media-object-image enlarge-image renoImageFormat- img-header\"><\/div>\n<\/div>\n<h3 class=\"clearfix byline-wrap\"><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Fair-lending laws turned consumers into anonymous credit scores\u2014and a target for identity thieves. (Appeared in the September 14, 2017, print<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":"","_links_to":"","_links_to_target":""},"categories":[33,6],"tags":[17,18,19,20],"class_list":["post-640","post","type-post","status-publish","format-standard","hentry","category-opeds-and-media","category-public-policy","tag-banking-industry","tag-credit-markets","tag-moral-hazard","tag-regulations-and-regulators"],"_links":{"self":[{"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/posts\/640","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/comments?post=640"}],"version-history":[{"count":5,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/posts\/640\/revisions"}],"predecessor-version":[{"id":947,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/posts\/640\/revisions\/947"}],"wp:attachment":[{"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/media?parent=640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/categories?post=640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bhide.net\/wordpress_files\/index.php\/wp-json\/wp\/v2\/tags?post=640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}