Two applicants with identical credit profiles apply on the same day; the lender charges the applicant of a different race a higher rate for no legitimate reason. This is the clearest example of:

Explanation

Charging different prices to similarly situated applicants because of race is intentional disparate treatment, the most direct form of lending discrimination. Disparate impact involves neutral policies with unequal effects, this is not a privacy issue, and there is no legitimate exception when the only difference is race.