There’s an easy way to make lending fairer for women. Trouble is, it’s illegal

The article says that men default more than women, controlling variables such as payment history and income, so models should be allowed to account for that (with a gender dummy variable?). But would the same argument be made if current models overpredicted men's defaults compared to women's?

The entire argument is ludicrous and hypocritical. I am surprised such an obviously sexist idea makes it even into anything that reaches more than a handful of people, but then it shouldnt surprise these days.