Automating Bias: Cardozo Law Review 2023 Symposium

This symposium will explore the use of artificial intelligence (AI), the use of this technology in consumer credit markets and the legal and policy issues surrounding these practices. The schedule for the symposium is as follows:

9:30- 9:35 am – Welcome – Dean Leslie (Cardozo)

9:35-9:50 am – Introductory Remarks – Matt Bruckner (Howard)

9:50-11:05 am – Panel 1 – Scoping Credit Discrimination in the Age of AI

This panel will examine how the rise of AI in consumer credit markets expands the meaning of
discrimination and fairness in lending.

Moderator: David Carlson (Cardozo)

Panelists:

• Talia Gillis (Columbia) – “Price Discrimination” Discrimination
• Ted Janger (Brooklyn) – Badges of Predation
• Mike Pierce (Student Borrower Protection Center) – Re-Coding Bias: Exploring the Role
  of Robust Regulatory Action in Tackling Algorithmic Bias

11:05-11:15 am Break

11:15 am-12:55 pm- Panel 2: Programming Fairness

This Panel will examine technical solutions for mitigating discrimination risks in consumer credit
markets arising from the use of AI.

Moderator: Pamela Foohey (Cardozo)

Panelists:

• Dan Björkegren (Brown) – Welfare Credit Scoring
• Nat Hoopes (Upstart) – Fairness and Inclusion with AI models
• Melissa Koide (FinReg Lab) – Machine Learning Explainability and Fairness: Insights from
  Consumer Lending
• Nizan Packin (Baruch/CUNY) – Decentralized Credit Scores

12:55-1:40 pm – Lunch – Served in the lobby of the Cardozo School of Law

1:40-2:40 Fair Lending and the CFPB

Patrice Ficklin, Fair Lending Director, CFPB, and Carol Evans, Deputy Fair Lending
Director, CFPB

2:40-2:50 pm – Break

2:50- 4:30 pm – Panel 3: Regulating Fair Lending

This panel will explore responses to the discrimination and fairness risks generated by the
increasing use of AI in consumer credit markets.

Moderator: Creola Johnson (Ohio State)

Panelists:

• Kathleen Engel (Suffolk) – Can Competition Help Solve the Problem of Algorithmic Bias?
• Cassandra Havard (South Carolina) – Digital Footprints
• Colin Hector (FTC) – Machine Learning, Dark Patterns, and Discriminatory Pricing
• Vijay Raghavan (Brooklyn) – Benchmarking Discrimination

4:30- 5:00 pm Closing Remarks – Nikita Aggarwal (UCLA)