<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto">The concept of “risk” may be deemed VERY discriminatory. Minimizing “risk” discriminated against populations considered “risky” when the “risk” is unavoidable for that population. Like poverty.<div><br></div><div>In Asylum law there’s this concept of “Particular Social Group:” <<<span style="font-size: 16px; caret-color: rgb(39, 39, 39); color: rgb(39, 39, 39); font-family: "Proxima Nova Rg Regular", "Helvetica Neue", Helvetica, Arial, sans-serif; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); -webkit-text-size-adjust: 100%; background-color: rgb(255, 255, 255);"> It is also often described as a group sharing a common characteristic that is so fundamental to their individual identities that the members cannot—or should not be expected to—change it.>></span></div><div><font color="#272727" face="Proxima Nova Rg Regular, Helvetica Neue, Helvetica, Arial, sans-serif" size="3"><span style="caret-color: rgb(39, 39, 39); -webkit-tap-highlight-color: rgba(0, 0, 0, 0); -webkit-text-size-adjust: 100%; background-color: rgb(255, 255, 255);"><br></span></font></div><div><font color="#272727" face="Proxima Nova Rg Regular, Helvetica Neue, Helvetica, Arial, sans-serif" size="3"><span style="caret-color: rgb(39, 39, 39); -webkit-tap-highlight-color: rgba(0, 0, 0, 0); -webkit-text-size-adjust: 100%; background-color: rgb(255, 255, 255);">And then of course the suspect circular references to “recognized” or “neutral” third parties...<br></span></font><div><br><div dir="ltr">Regards / Saludos / Grato<div><br></div><div>Andrés Leopoldo Pacheco Sanfuentes</div></div><div dir="ltr"><br><blockquote type="cite">On Dec 25, 2019, at 2:26 PM, L Jean Camp <ljeanc@gmail.com> wrote:<br><br></blockquote></div><blockquote type="cite"><div dir="ltr"><div dir="ltr">>An old saying: "When you hear the word 'ethics,' grab your wallet."<div>Among people who think their wallets matter and other people's lives don't. Merry Children in Cages Christmas.<div><br></div><div>Anyway, to the actual discussion, the link to the proposed rule is:</div><div><a href="https://www.consumerfinancemonitor.com/wp-content/uploads/sites/14/2019/08/HUD-Proposed-Disparate-Impact-Rule.pdf">https://www.consumerfinancemonitor.com/wp-content/uploads/sites/14/2019/08/HUD-Proposed-Disparate-Impact-Rule.pdf</a><br></div><div><br></div><div>And I think a very good description is here:</div><div><a href="https://www.consumerfinancemonitor.com/wp-content/uploads/sites/14/2019/08/HUD-Proposed-Disparate-Impact-Rule.pdf">https://www.consumerfinancemonitor.com/wp-content/uploads/sites/14/2019/08/HUD-Proposed-Disparate-Impact-Rule.pdf</a><br></div></div><div><br></div><div>For those who do not like to download PDFs here is the AI component. Basically building a discriminatory model is only subject to sanctions if the claimant can prove that the model was built with intent to discriminant:</div><div><br></div>6. Where the cause of a discriminatory effect is alleged to be a model used by the defendant such as a risk assessment algorithm, the defendant can:<br>I. Identify the material factors used in the model and shows that these factors are not substitutes for protected characteristics and that the model is predictive of credit risk or another similar valid objective<br>II. Show that a recognized third party that determines industry standards is responsible for producing, maintaining, or distributing the model, the inputs within the model are not determined by the defendant, and the defendant is using the model as directed by the third party<br>III. Show that the model has been validated by a neutral third party that found it to be empirically derived, that its inputs are not substitutes for protected characteristics, and that it is demonstrably and statistically sound and accurately predicts risk or other valid objectives.<div><br></div><div><br><div><br></div></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Tue, Dec 24, 2019 at 1:18 PM John Young <<a href="mailto:jya@pipeline.com">jya@pipeline.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">An old saying: "When you hear the word 'ethics,' grab your wallet."<br>
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Liberationtech is public & archives are searchable from any major commercial search engine. Violations of list guidelines will get you moderated: <a href="https://lists.ghserv.net/mailman/listinfo/lt" rel="noreferrer" target="_blank">https://lists.ghserv.net/mailman/listinfo/lt</a>. Unsubscribe, change to digest mode, or change password by emailing <a href="mailto:lt-owner@lists.liberationtech.org" target="_blank">lt-owner@lists.liberationtech.org</a>.</blockquote></div><br clear="all"><div><br></div>-- <br><div dir="ltr" class="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr" style="font-size:12.8px">Prof. L. Jean Camp<br><a href="http://www.ljean.com/" target="_blank">http://www.ljean.com</a></div><div dir="ltr" style="font-size:12.8px">
<p style="margin:0px 0px 12px;font:14.7px Calibri;color:rgb(0,0,0)"><br></p></div><div dir="ltr" style="font-size:12.8px"><div style="font-size:12.8px;margin-bottom:0px;margin-left:0px;padding-bottom:5px"><div><div dir="ltr"><div>Research Gate: <a href="https://www.researchgate.net/profile/L_Camp" target="_blank">https://www.researchgate.net/profile/L_Camp</a></div><div>DBLP: <a href="http://dblp.uni-trier.de/pers/hd/c/Camp:L=_Jean" target="_blank">http://dblp.uni-trier.de/pers/hd/c/Camp:L=_Jean</a></div><div>SSRN: <a href="https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=262477" target="_blank">https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=262477</a></div><div>Scholar: <a href="https://scholar.google.com/citations?user=wJPGa2IAAAAJ&hl=en&oi=ao" target="_blank">https://scholar.google.com/citations?user=wJPGa2IAAAAJ</a></div></div></div></div></div><div dir="ltr" style="font-size:12.8px"><div>Make a Difference <br><a href="http://www.ieeeusa.org/policy/govfel/congfel.asp" target="_blank">http://www.ieeeusa.org/policy/govfel/congfel.asp</a></div></div></div></div></div></div></div></div></div></div>
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