Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit¶
Board of Governors of the Federal Reserve System. (2007). Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit.
Cited by¶
1 citation across 1 artifact.
Each citation links to the sentence it supports in the citing article.
Mechanisms¶
- Risk Tier Assignment
- Its central weakness is that segmentation can create underfunded or stigmatized tiers, and when tiers are defined on proxies, it can quietly replicate discrimination — sorting people by something correlated with a protected characteristic while claiming to sort by risk.
This sourceExplains that risk-scoring variables can proxy for protected demographic characteristics and thereby reproduce differential treatment while appearing neutral.
- Its central weakness is that segmentation can create underfunded or stigmatized tiers, and when tiers are defined on proxies, it can quietly replicate discrimination — sorting people by something correlated with a protected characteristic while claiming to sort by risk.
Verification¶
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Does it back the claim? Not recorded. The single citation of this work carries no recorded support check.
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Registry ID ref:66fe9e3f35ba · see in the full table