> If you use data such as repayment history, income, assets, and other metrics highly related to whether or not somebody is going to pay back a loan, and the re

> If you use data such as repayment history, income, assets, and other metrics highly related to whether or not somebody is going to pay back a loan, and the resulting model does not output equal representation among arbitrary population groups, I fail to see a problem. If the data being used to train the model has absolutely no knowledge of arbitrary group identifiers, such as "gender" or "race," the resulting output quite simply not biased. Discrimination isn’t solely measured by input but also by outputs. https://en.wikipedia.org/wiki/Disparate_impact https://en.wikipedia.org/wiki/Disparate_impact