Which is how most of the world does it. What is interesting is that in 2023 the CFPB/DOJ started threatening to sue banks if they relied on immigration status/duration of stay to approve loans, which was generally regarded as threatening banks not to consider immigration status for loans. There is a risk that if they use this information the next president in the white house may try to sue them, however if they don't use immigration information then they'll be left stranded with a bunch of bad loans. It's probably better that they have this information but it is a bit of a lose-lose

> Which is how most of the world does it.

That's not persuasive. America does a lot of things different from most of the world, and they're not inherently wrong for doing so.

The rest of your comment makes an interesting point, though.