At the same time that these [redlining] maps were being made, the insurance industry, for example, was implementing similar data-driven methods for granting (or denying) policies to customers based on their demographics. Zoning laws that were explicitly based on race had already been declared unconstitutional; but within neighborhoods, so-called covenants were nearly as exclusionary and completely legal. This is a phenomenon that political philosopher Cedric Robinson famously termed racial capitalism, and it continues into the present in the form of algorithmically generated credit scores that are consistently biased and in the consolidation of “the 1 percent” through the tax code, to give only two examples of many. What’s more, the benefits of whiteness accrue: “Whiteness retains its value as a ‘consolation prize,’” civil rights scholar Cheryl Harris explains. “It does not mean that all whites will win, but simply that they will not lose.”
Catherine D'Ignazio and Lauren F. Klein, Data Feminism
Final quote is from Cheryl L. Harris, “Whiteness as Property,” Harvard Law Review 106, no. 8 (1993)















