What is invidious?
Invidious is an open source alternative front-end to YouTube. Invidious is Free (Libre) and Open Source software licensed under the AGPL-3.0.
What is invidious discrimination?
Invidious Discrimination is treating a class of persons unequally in a manner that is malicious, hostile, or damaging. If there is rational justification for the different treatment, then the discrimination is not invidious. The criteria delineating the groups, such as gender, race, or class, determine the kind of discrimination.
What is an example of invidious behavior?
The definition of invidious is something that is likely to cause anger, or something that is unjust or unfair. An example of an invidious behavior is behavior that is likely to make others around you mad. An example of invidious actions are discriminatory actions where one person is treated unfairly as compared to others.
What does insidious mean in medical terms?
An insidious disease is any disease that comes on slowly and does not have obvious symptoms at first. The person is not aware of it developing. Taber's Medical Dictionary Online website. Insidious. www.tabers.com/tabersonline/view/Tabers-Dictionary/770775/all/insidious. Accessed May 3, 2021.
What is the meaning of disparate treatment?
Disparate treatment is intentional employment discrimination. For example, testing a particular skill of only certain minority applicants is disparate treatment.
What is disparate treatment in banking?
Disparate treatment occurs when a lender treats a. credit applicant differently on the basis of one of the. prohibited factors.
What is an example of overt disparate treatment?
For example, if a lender refuses to lend to women because he thinks that women can't run a business, then this would be an example of overt evidence of disparate treatment.
What are the 3 types of lending discrimination?
Three lending discrimination types→ Overt.→ Disparate impact.→ Disparate treatment.
What is redlining and disparate treatment?
Redlining is a form of illegal disparate treatment in which a lender provides unequal access to credit, or unequal terms of credit, because of the race, color, national origin, or other prohibited characteristic(s) of the residents of the area in which the credit seeker resides or will reside or in which the ...
What's the difference between disparate treatment and disparate impact?
The difference between disparate impact and disparate treatment is that disparate treatment is intentional discrimination, while disparate impact is unintentional.
What is the difference between overt discrimination and disparate treatment?
Overt Discrimination, which occurs when a consumer is openly and/or actively discriminated against on a prohibited basis factor. Disparate Treatment, which occurs when members of a prohibited basis group are treated differently than others.
What does reverse redlining mean?
Redlining is the practice of denying credit to particular neighborhoods on a discriminatory basis. The flip side is reverse redlining, the practice of targeting these same communities or protected classes for predatory lending.
What is disparate treatment in human resources?
Disparate treatment, also known as adverse treatment, occurs when an employer treats an employee unfairly compared to other employees based on the person's personal characteristics, especially with regard to protected classes.
What is a violation of fair lending?
For example, if a lender refuses to make a mortgage loan because of your race or ethnicity, or if a lender charges excessive fees to refinance your current mortgage loan based on your race or ethnicity, the lender is in violation of the federal Fair Housing Act.
What is an example of discrimination in lending?
Examples of Lending Discrimination Providing a different customer service experience to mortgage applicants depending on their race, color, religion, sex (including gender identity and sexual orientation), familial status, national origin or disability.
Can a loan officer override an underwriter?
Talk to your loan officer. Though you can't usually speak directly to an underwriter, your loan officer should give you a clear reason for the denial. You'll have a short time to try to overturn the denial — it doesn't become official until the lender issues a denial letter.
What is an example of invidious actions?
An example of invidious actions are discriminatory actions where one person is treated unfairly as compared to others. adjective. 1. 0. (of a distinction) Offensively or unfairly discriminating. The professor made invidious distinctions based only on his own whim. adjective. 1. 0.
What is an invidious behavior?
An example of an invidious behavior is behavior that is likely to make others around you mad.
Where does the word "invidius" come from?
Latin invidiōsus, from invidia (“envy, ill will”), from in- (“upon”) + videō (“I see”).
What is the difference between insidious and invidious?
Insidious and invidious both describe the way someone does something bad. Insidious implies secrecy, while invidious is more open. An insidious action is sneaky and harmful. An invidious action is also negative, but it happens out in the open.
What is an example of insidious behavior?
Insidious actions are covert. Those who carry them out hope to accomplish some act of evil. For example, lies are insidious. Secret meetings and intrigue are insidious activities. Insidious behavior typically isn’t bad on its surface. For example, making friends with a classmate is positive on the surface. It becomes insidious if the only reason for the friendship is to somehow use the other person to advance some agenda.
Is insidious behavior negative?
Both insidious acts and invidious behavior are always negative. Where the two terms differ is in their approach to doing harm. The open attack of invidious words and actions is different from the sneak attack of an insidious person. To prevent confusion, you can remember that insidious contains an S, as in sneaky, while invidious has a V as in vocal or voiced.
Overt Discrimination
Overt discrimination is the easiest to understand and is what most people think about when they hear the word “discrimination.” Simply, it is obviously or blatantly providing or offering more favorable terms to one group versus another based solely on a prohibited factor, such as gender.
Disparate Treatment
Of the three types of discrimination, this is the most common and the most likely to be targeted in a fair lending review. Disparate treatment is differences or inconsistencies in treatment based on prohibited factors that are not fully explained by relevant, non-discriminatory factors.
Disparate Impact
Disparate impact can be understood by thinking of it as somewhat of the mirror image of disparate treatment. Whereas disparate treatment is the result of inconsistencies, disparate impact involves, instead, consistency. Disparate impact is where consistent application of a policy results in an adverse impact on a protected class.
Conclusion
It is important to understand the types of discriminations that can occur in order to fully evaluate fair lending risk. Overt discrimination may be blatant or obvious, but lenders should understand it can occur inadvertently. Disparate treatment is a risk where there are inconsistencies in a lender’s lending practices.
