The AI LendScape Blog

Exploring how AI is reshaping consumer lending - and what regulators, compliance teams, and counsel need to know.

Disparate Impact is Dead. Long Live Disparate Impact.

The 2025 EO didn't kill disparate impact — SCOTUS settled that in Inclusive Communities. But agency enforcement overreach may have invited the blow.

Richard Pace, PhD

Jul 11, 202543 min read

A recent CFPB publication directs lenders to use race-based debiasing methods for their credit models. Why is this a serious problem?

Richard Pace, PhD

Feb 12, 202518 min read

This article examines the further risks and challenges of using less discriminatory alternative (LDA) credit models amid CFPB scrutiny.

Richard Pace, PhD

Sep 4, 202442 min read

Current credit model disparate impact frameworks dispense justice algorithmically. But are they consistent with applicable fairness laws?

Richard Pace, PhD

May 21, 202438 min read