A House Financial Services Committee investigation last week does a good job exposing the multiple dishonesties behind the Consumer Financial Protection Bureau crackdown on supposedly racist auto loans. But the report doesn’t get to the mind-set that would go to extremes to manufacture evidence of racism where it doesn’t exist.

America has, in some ways, become a culture of racial Stalinism. To inoculate oneself against charges of racism, which can come from anywhere at any time based on anything, the best strategy is routinely...