Jann L. Spiess

Jann L. Spiess

Assistant Professor of Operations, Information & Technology

is an Assistant Professor of Operations, Information & Technology at Stanford University’s Graduate School of Business. He is an econometrician working on machine learning and causal inference. Jann is particularly interested in developing methods for transparent, robust, and replicable inferences from complex data.

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FinRegLab is extending its investigation of the adoption of artificial intelligence in financial services through a policy analysis focused on the growing use of machine learning models for underwriting credit and a January 17 webinar with senior federal financial regulators to discuss generative AI and other recent developments.
This essay discusses the legal requirements of pricing credit and the architecture of machine learning and intelligent algorithms to provide an overview of legislative gaps, legal solutions, and a framework for testing discrimination that evaluates algorithmic pricing rules. Using real-world mortgage data, the authors find that restricting the data characteristics within the algorithm can increase pricing gaps while having a limited impact on disparity.