ZIP-as-proxy = redlining pattern — AI screening in DOJ crosshairs
—HUD AI guidance enforcement wave
Regulatory exposure — commonly overlooked:
Adverse action notice requires what data AI used — receipt IS the notice infrastructure. · Multinationals built for one jurisdiction fail exams in another — one receipt architecture, many filing packs.
TAM / Exposure
44M US renter households · algorithmic screening litigation
Insurance lines
Landlord liability · Fair housing E&O
Exhibit authority
Global External Validation — FCRA §615 + Fair Housing AI Screening Pack
Global leaders
HUD · RealPage (litigation) · AppFolio · Zillow · DOJ Civil Rights · ISO · NIST · OECD
RealPage ripple
Property mgmt AI pricing/screening consolidated — systemic fair housing exposure.
FCRA 30-day clock
Adverse action without specific factors = automatic statutory damages pattern.
Insurance bind
Landlord policies increasingly ask if AI screening used — silent = E&O for broker.