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AIF-C01 · Question #141

A bank has fine-tuned a large language model (LLM) to expedite the loan approval process. During an external audit of the model, the company discovered that the model was approving loans at a faster…

The correct answer is A. Include more diverse training data. Fine-tune the model again by using the new data. Explanation Re-fine-tuning the existing model with more diverse, balanced training data directly addresses the root cause of the bias - skewed representation in the training set - while reusing the already fine-tuned model as a starting point, making it far more cost-effective…

Submitted by eva_at· Mar 30, 2026Security and Responsibility in AI

Question

A bank has fine-tuned a large language model (LLM) to expedite the loan approval process. During an external audit of the model, the company discovered that the model was approving loans at a faster pace for a specific demographic than for other demographics. How should the bank fix this issue MOST cost-effectively?

Options

  • AInclude more diverse training data. Fine-tune the model again by using the new data.
  • BUse Retrieval Augmented Generation (RAG) with the fine-tuned model.
  • CUse AWS Trusted Advisor checks to eliminate bias.
  • DPre-train a new LLM with more diverse training data.

How the community answered

(18 responses)
  • A
    72% (13)
  • B
    6% (1)
  • C
    17% (3)
  • D
    6% (1)

Explanation

Explanation

Re-fine-tuning the existing model with more diverse, balanced training data directly addresses the root cause of the bias - skewed representation in the training set - while reusing the already fine-tuned model as a starting point, making it far more cost-effective than starting from scratch. Option D is wrong because pre-training an entirely new LLM requires enormous computational resources and cost, which is unnecessary when the base model only needs a targeted correction through fine-tuning. Option B is wrong because RAG is designed to augment a model's knowledge with external documents at inference time, not to correct systematic bias baked into model weights during training. Option C is wrong because AWS Trusted Advisor is an infrastructure and cost-optimization tool focused on cloud resource best practices - it has no capability to detect or eliminate AI model bias.

Memory Tip: Think of it as "fix what's broken at the source, cheaply." Bias entered during fine-tuning → fix it during fine-tuning with better data, not by rebuilding everything (D) or adding retrieval Band-Aids (B) or using the wrong tool entirely (C). The key phrase is "most cost-effectively" - fine-tuning again is always cheaper than pre-training from scratch.

Topics

#Bias mitigation#LLM fine-tuning#Responsible AI#Data diversity

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