DEAD HAND SYSTEM // PARTIALLY REVERSIBLE
CREDIT SCORING & INSURANCE AI
AI systems determining creditworthiness, insurance rates, and financial access for billions. Opaque models making life-altering decisions with minimal human oversight or appeal.
LINKED THREAT VECTORS
This system amplifies or is amplified by the following threat vectors on the tracker:
SURVEILLANCE OVERREACH ECONOMIC DISPLACEMENT ALIGNMENT FAILURE
SOURCES [3]
- US Consumer Financial Protection Bureau, "CFPB Issues Guidance on Credit Denials by Lenders Using AI" (Sept 2023) — consumerfinance.gov
- Brookings Institution, "Reducing bias in AI-based financial services" (2020) — brookings.edu
- FTC, "Aiming for truth, fairness, and equity in your company's use of AI" (Apr 2021) — ftc.gov