penalties, taxes, licenses, and exactions of every kind, and to no other. (e) Discriminatory effects also prohibited (1) In general No person shall use a criterion, method of administration, practice, or policy that has a disparate impact in violation of subsection (d). (2) Demonstration A challenged criterion, method of administration, practice, or policy that has an impact described in paragraph (1) shall be unjustifiable unless its user demonstrates that— (A) the use serves a legitimate purpose, which is both required by a substantial business necessity and not a pretext for discrimination