Meta Platforms Inc (META)

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Facebook's ad delivery algorithms are racially biased – the company has paid out at least $5 million to settle multiple lawsuits regarding ad discrimination in employment, credit and housing ads – the addition of an unaccountable behavioral metric is ripe for abuse.

Facebook insists it does not perform creditworthiness evaluations, though the company notably refused to deny it supplied data to others who performed the checks, a distinction that may not exempt it from relevant laws, according to a legal scholar who spoke with the Intercept. Facebook also claimed that partners were only permitted to use the data for "internal" purposes; for an idea of how enforceable that provision is, one need only look to Cambridge Analytica.