I guess we'd need clarification. I took the phrase "...got pricing exceptions..." to mean they were exempt from low prices (i.e. bad credit scores mean bad rates). Obviously you read it to mean that blacks and women got better deals.
True, I see your point of view, now, as well. Hmmm
I took it to mean those groups would get exceptions and not have to meet certain specification for the best rates because ‘oppressed groups’.
But, then again, I cannot see any fed group investigating this and blowing any whistles against favored ‘minorities ‘.
After reading it a couple of times, I think you are more on target than I.