Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
When Your AI Loan Officer Denies You for Your Social Media
Episode 93 of AI Ethics with Fexingo: Lucas and Luna investigate how banks are using AI to scan applicants' social media posts for 'reputational risk.' They focus on a 2025 study from the Federal Reserve Bank of Philadelphia that found AI models denied loans to 12% more applicants based on non-financial data like Instagram photos and Twitter threads. The hosts break down how a single tweet about gambling or a vacation photo can tank your credit score equivalent by 50 points, even if your finances are pristine. They discuss the regulatory gap: the Equal Credit Opportunity Act hasn't been…
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