The government's top fair-lending cop warned Monday that the Justice Department plans to closely scrutinize credit-scoring systems.

"When we see disproportionate numbers of white applicants approved for credit despite a failing credit score or a disproportionate number of minorities denied credit even with a passing credit score, we become concerned that discrimination may be at work," said Bill Lann Lee, acting assistant attorney general for civil rights, in his first speech to the industry.

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