A United States Fair Lending Perspective on Machine Learning

A United States Fair Lending Perspective on Machine Learning

The use of machine learning (ML) has become more widespread in many areas of consumer financial services, including credit underwriting and pricing of loans. ML’s ability to automatically learn nonlinearities and interactions in training data is perceived to facilitate faster and more accurate credi...

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Bibliographic Details
Main Authors: Patrick Hall, Benjamin Cox, Steven Dickerson, Arjun Ravi Kannan, Raghu Kulkarni, Nicholas Schmidt
Format: Article
Language:English
Published: Frontiers Media S.A. 2021-06-01
Series:Frontiers in Artificial Intelligence
Subjects:
credit underwriting
fairness
interpretability
XAI (explainable artificial intelligence)
deep learning—artificial neural network (DL-ANN)
evolutionary learning
Online Access:https://www.frontiersin.org/articles/10.3389/frai.2021.695301/full

Internet

https://www.frontiersin.org/articles/10.3389/frai.2021.695301/full

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