The Policy That Haunts: Why Algorithms JudgeHow a 1970s underwriting rule still impacts your loan

From the show

Hidden Architecture of Patriarchy

Historical underwriting standards systematically discounted women's incomes based on the assumption of future motherhood. This practice, known as the 'baby penalty,' effectively excluded women from the 20th-century housing market. Today, these explicit denials have evolved into invisible algorithmic biases. Understanding this history reveals how caregiving gaps are still often flagged as financial risks in modern credit scoring.