If you're genuinely curious for an answer, in the United States it's absolutely the case that you are legally
> obligated to throw out the conclusion
when it comes to many of the things you mentioned (e.g., you can't consider race, or often gender and sexual orientation depending on the state, when you evaluate a loan/employment application).
The reason for those laws is that, historically, overtly and openly racist people used the loan application process to discriminate in housing.
Asking to be able to use any accurate statistical model for any application is an inherently political request, because bad actors in the past have attempted to exclude people based upon skin color. We can't make that discrimination legal whenever someone can dream up a plausible mathematical model justifying an ultimately racial intent.
The real point of my post is that a discussion on this topic devolves into a flame war unless everyone agrees that we can't turn p-hacking into a legally justifiable way of allowing racial discrimination in important social processes like housing loan or employment applications.