{
  "id": 3260,
  "url": "https://arxiv.org/abs/2606.02957v3",
  "title": "The Fair Lending Model: How the Longest-Running Algorithmic Fairness Programs Work in Practice",
  "summary": "U.S. financial institutions subject to fair lending laws have been running algorithmic fairness programs for decades. Despite this long history, remarkably little is known about how these requirements operate in practice. In this paper, we offer the first empirical account of how financial institutions test for and mitigate algorithmic discrimination on the ground. In doing so, we shed light on how the regulatory design of fair lending law and regulation have shaped the policies, processes, and ",
  "authors": "Emily Black, Miranda Bogen, Logan Koepke, Solon Barocas, Wesley Deng, Mingwei Hsu",
  "category": "research",
  "topics": "bias-fairness,regulation",
  "orgs": null,
  "regions": null,
  "published_at": "2026-06-01T23:24:08.000Z",
  "fetched_at": "2026-07-14T16:30:05.533Z",
  "source_slug": "arxiv-ethics",
  "source_name": "arXiv",
  "source_homepage": "https://arxiv.org",
  "ethics_ai_record_url": "https://ethics.ai/record/3260",
  "original_url": "https://arxiv.org/abs/2606.02957v3",
  "evidence_status": "source-only",
  "attribution": "via ethics.ai"
}