L3-M3 / lesson 2 of 2
The lender has identified potential exclusion and discrimination.
Start here / A workplace decision
The lender has identified potential exclusion and discrimination.
A mitigation says only 'human oversight'.
Before you read / Think it through
Pause and form your answer, then compare the reasoning. This reflection is not scored.
Specify who checks what, their authority and the information they need.
The ideas below give you a method for this decision. Then work through the rest of this case and try the decisions yourself.
Use the provider's instructions and limitations.
Describe how people will supervise the system.
Provider documentation informs the assessment but does not describe every local choice. Add the actual lender workflow.
Test authority, competence and access to evidence.
A private lender plans to use high-risk AI to evaluate natural persons' creditworthiness. The tool produces recommendations that loan officers usually follow. The team has a security assessment but no analysis of exclusion, discrimination or the ability of rejected applicants to challenge a decision.