AI in the Racial Wealth Gap: Deciding our Future (Full report)
Published June 2026
The evidence presented in this report demonstrates that without deliberate and outcome-oriented interventions, AI will likely amplify the racial wealth gap rather than narrow it. To be clear, this does not have to be a foregone conclusion. AI technologies can produce positive outcomes when developed, tested, and adopted with principled and civil-rights-protective guardrails. But without safeguards, governance, and corrective measures, AI risks reinforcing existing disparities under the guise of neutrality and efficiency.
To address these concerns, transparency and accountability in algorithmic decision-making must be established across these three domains — housing, lending, and jobs.
The report includes recommendations for: