ethics-safety-impact
Ethics, Safety & Impact Assessment
Table of Contents
Example
Scenario: Launching credit scoring algorithm for loan approvals
- Stakeholders: Loan applicants (diverse demographics), lenders, society (economic mobility)
- Harms: Disparate impact from historical bias, opacity preventing appeals, feedback loops perpetuating denials
- Vulnerable groups: Racial minorities, immigrants with thin credit files, young adults, people in poverty
- Mitigations: Fairness audit across protected classes, reason codes + appeals, alternative data (rent/utilities), human review for edge cases
- Monitoring: Approval rate parity within 10% across groups; if disparate impact >20%, escalate to ethics committee
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