AIGP · Question #62
AU.S. mortgage company developed an AI platform that was trained using anonymized details from mortgage applications, including the applicant's education, employment and demographic information, as we
The correct answer is D. Title VII of the Civil Rights Act of 1964.. Title VII of the Civil Rights Act primarily governs employment discrimination and is not directly relevant to mortgage lending decisions, unlike the other listed laws.
Question
AU.S. mortgage company developed an AI platform that was trained using anonymized details from mortgage applications, including the applicant’s education, employment and demographic information, as well as from subsequent payment or default information. The AI platform will be used to automatically grant or deny new mortgage applications, depending on whether the platform views an applicant as presenting a likely risk of default. Which of the following laws is NOT relevant to this use case?
Options
- AFair Housing Act.
- BFair Credit Reporting Act.
- CEqual Credit Opportunity Act.
- DTitle VII of the Civil Rights Act of 1964.
How the community answered
(45 responses)- A7% (3)
- B16% (7)
- C2% (1)
- D76% (34)
Explanation
Title VII of the Civil Rights Act primarily governs employment discrimination and is not directly relevant to mortgage lending decisions, unlike the other listed laws.
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