Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
When AI Models Learn Bias from Loan Denial Letters
In this episode of AI Ethics with Fexingo, Lucas and Luna explore how AI models trained on historical loan denial letters inherit and amplify bias. They trace a real case from a mid-sized US bank that used past decisions to build a lending model, only to find it systematically denied mortgages to minority applicants at higher rates. The conversation digs into the mechanics of training data, the legacy of redlining, and the regulatory pushback from the CFPB. They discuss why text-based data is a hidden source of bias, how explainability tools can expose it, and what banks can do to audit their…
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