which government organization studied the use of credit scores to see if it had an unfair impact on minorities?

It could be anything, recent improvements in technology/telecommunication/internet have increased the pace of globalization.generally, it has something to do with technology. globalization means that people around the world are brought together through technology which speeds things up. so maybe some of those options could be correct. : )

Ithink it's c selection but i don't really know.