ZIP-as-proxy = redlining pattern — AI screening in DOJ crosshairs
—CMA agent liability guidance (live)
Regulatory exposure — commonly overlooked:
Adverse action notice requires what data AI used — receipt IS the notice infrastructure. · CMA: you are liable for your AI agent like an employee — applies to every agentic commerce vertical.
TAM / Exposure
44M US renter households · algorithmic screening litigation
Insurance lines
Landlord liability · Fair housing E&O
Exhibit authority
UK CMA Agent Liability Pack — FCRA §615 + Fair Housing AI Screening Pack