The Consumer Financial Protection Bureau (CFPB) wants to broaden access to credit in the United States, and the institution is seeking comment on a wide range of related topics. Curiously, artificial intelligence and machine learning are framed solely as potential solutions to the unequal access to credit and inequity that exists in society. Of course, it is just as likely – if not more so – that AI and ML will contribute to inequity and inequality without proper safeguards and regulatory enforcement.