Regulators warned at an industry conference this week that lenders remain on the hook when it comes to racial bias in lending, even though mortgage lending is becoming more automated.

"Credit scoring is not a blanket of immunity," said Peter M. Kaplan, an associate in the Department of Housing and Urban Development. Lenders are still liable if minorities or other groups are unfairly denied credit, Mr. Kaplan said. He spoke at an annual fair-lending conference of the Mortgage Bankers Association.

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