QUESTION
What are the trends in discrimination and the impact of artificial intelligence on it?
0:36:20
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83 sec
The Deputy Commissioner addresses the challenge of identifying discrimination with the advent of artificial intelligence, highlighting its impact on lending and the importance of transparency.
- Artificial intelligence (AI) makes identifying discrimination harder, especially in lending.
- AI leads to more diffuse and imorphous decision-making processes, complicating the identification of responsible entities.
- The need for transparency is emphasized due to the complexities introduced by AI.
- While current trends in discrimination related to AI are being monitored, particularly in employment and housing, there's an acknowledgment that this area is still emerging.
Nantasha M. Williams
0:36:20
And if I could just reframe that a bit, I'm just wondering your knowledge of any trends you're seeing.
0:36:29
I know you mentioned credit history trend, but if there are any other trends you see, and then adding into the advent of artificial intelligence.
0:36:37
And if you think that I would also have disparate impacts on discrimination and limit practices.
JoAnn Kamuf Ward
0:36:47
So this is really from my personal thinking.
0:36:51
I think it would be very difficult to say that AI isn't going to allow for discrimination to be harder to identify.
0:37:00
Right?
0:37:00
I mean, I think that that's there's evidence of that.
0:37:03
I think that is definitely gonna impact lending.
0:37:06
It's already a complex area to regulate, and I think AI makes it so the decision making is more diffuse imorphous, and it's harder to identify in in the work that we do, the respondent, right, who was the decision maker.
0:37:20
So I think that will be a major challenge, and that's why the transparency piece is so important.
0:37:27
But in terms of our work, I think we haven't seen these intersections, but we're definitely thinking about them and watching what's happening both in the employment space and the housing space to both see what federal regulators are doing and to under stand how it might come to our to our agency.