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    <title>Recent imtfi_co_rw items</title>
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    <pubDate>Wed, 1 Jul 2026 03:43:54 +0000</pubDate>
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      <title>A Survey of Fair and Responsible Machine Learning and Artificial Intelligence: Implications of Consumer Financial Services</title>
      <link>https://escholarship.org/uc/item/4s85826f</link>
      <description>Machine learning (ML) algorithms and the artificial intelligence (AI) systems that they enable are powerful technologies that have inspired a lot of excitement, especially within large business and governmental organizations. In an era when increasingly concentrated computing power enables the creation, collection, and storage of “big data,” ML algorithms have the capacity to identify non-intuitive correlations in massive datasets, and as such can theoretically be more efficient and effective than humans at using those correlations to make accurate predictions. However, biases can be encoded in the datasets on which ML algorithms are trained, arising from poor sampling strategies, incomplete or erroneous information, and the social inequalities that exist in the actual world. Additionally, the inherent complexities of ML algorithms that defy explanation even for the most expert practitioners can make it difficult, if not impossible, to identify the root causes of unfair decisions....</description>
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      <pubDate>Mon, 28 Oct 2024 00:00:00 +0000</pubDate>
      <author>
        <name>Rea, Stephen C</name>
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