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With David Carlson (Prof., Cardozo Law), Talia Gillis (Prof., Columbia Law), Edward Janger (Prof. Brooklyn Law), Mike Pierce (Founder, Student Borrower Protection Center), Nat Hoopes (Head of Public Policy, Upstart), Melissa Koide (Dir., FinReg Lab), Patrice Ficklin (Dir., CFPB).
Wed, Jan 25, 2023 @ 09:30 AM   FREE   Cardozo School of Law, 55 Fifth Ave

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This symposium will explore the use of artificial intelligence (AI), the use of this technology in consumer credit markets & the legal & policy issues surrounding these practices. Please note, this event will be live-streamed. The link will be shared closer to the date of the event. Please register to receive the link. 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 & fairness in lending.

Moderator: David Carlson (Cardozo)


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)


Dan Bjrkegren (Brown) - Welfare Credit Scoring
Nat Hoopes (Upstart) - Fairness & Inclusion with AI models
Melissa Koide (FinReg Lab) - Machine Learning Explainability & 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 & the CFPB

Patrice Ficklin, Fair Lending Director, CFPB, & 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 regulatory responses to the discrimination & fairness risks generated by the increasing use of AI in consumer credit markets.

Moderator: Creola Johnson (Ohio State)


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, & Discriminatory Pricing
Vijay Raghavan (Brooklyn) - Benchmarking Discrimination
4:30- 5:00 pm Closing Remarks - Nikita Aggarwal (UCLA)
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