A potential issue is certain demographics (banked people) have a tenancy to do more shopping around and are computer savvy compared to other groups who accept terms and conditions with minimal questioning. What you may end up with is a lot of concessions to non-minority classes - (a/k/a middle aged white guys), and few to others. This will be noticed by examiners.
In the late 1990's the DOJ took the Automobile dealers to court in the Chicago area. Seems a pricing issue where white males paid the least for cars, followed by black males, white females and the highest paid by black females. DOJ claimed race/gender discrimination. Auto dealerships claimed better information, bargaining, etc. caused the lower prices. Auto dealers lost.
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Integrity. With it, nothing else matters. Without it, nothing else matters.