Biden Wants to Shut Down Credit Bureaus – What’s different from Clinton policy allowing low-income people to buy home they couldn’t afford? ?

Article: https://currently.att.yahoo.com/finance/news/biden-wants-shut-down-credit-120028628.html

Biden’s priorities are: “(1) relief for consumers facing hardship due to COVID-19 and the related economic crisis, and (2) racial equity.”

I understand systemic racism facilitated biased credit opportunities for over a hundred years. In spite of that, changes in the law requiring equal opportunity/employment permitted hundreds of thousands/millions of people of color to achieve financial success exceeding the majority of white citizens in the country. How was that possible without those ‘responsible’ citizens treating credit as the ‘privilege’ it is? Are all those non-white citizens ‘Uncle Tom’s’ receiving special favors in a racist society? Credit agencies are only concerned with two colors. Green is good. Red is bad. Skin color has nothing to do with it.

I’m all in for racial equality as the way things MUST BE. That said, I’m unwilling to allow political correctness to reduce the value of my work ethic, skills and abilities because ‘white shame’ is trending on elitist social media. And, I will not sit still for a government with intentions to install policy reversing laws establishing equality. There is no difference in laws that favor one race from laws disadvantaging another. It is still ‘systemic racism’.