"You Must Extend a Loan to Your Brother" - Racial Discrimination in Lending Today

The Rabbinic Commentators focus on the fact that Deuteronomy frequently and repeatedly uses the word ach, brother, to describe the needy person who isn't related to you.  Whereas earlier in Torah, we are told not to oppress the "poor" or "afflicted" person, Deuteronomy modifies this language by insisting that we must loan to these people because they must be seen as our "brothers and sisters."  I don't see any reading possible other than that the Torah is focusing on the problem of redlining, of consciously or unconsciously avoiding loaning money to people who look different from the family of the loan officer.  In 2020, the Trump Administration has proposed changing the anti "redlining" guideliness in ways that bypass the Torah's concern, as I explain here.