Below are links to podcasts and webinars that FinRegLab has produced in connection with our three major research focus areas: AI in financial services, building an inclusive recovery, and the use of alternative data in credit underwriting. Links to webinars and podcasts organized by other entities that FinRegLab has participated in are available on our News & Events page.
Upcoming Webinar
Getting Ahead of the Curve: Emerging Issues in the Use of AI and Machine Learning in Financial Services
January 17, 2024 – 2:30 PM ET
FinRegLab is hosting a webinar with senior federal financial regulators to discuss the growing use of artificial intelligence and machine learning in financial services, including credit underwriting.
Learn MorePrior FinRegLab Events
Artificial Intelligence in Financial Services: U.S. Senate Committee on Banking, Housing, and Urban Affairs
CEO Melissa Koide served as a witness on Wednesday, September 20, 2023 before the United States Senate Committee on Banking, Housing, and Urban Affairs hearing on “Artificial Intelligence in Financial Services.” She shared learnings and insights from FinRegLab’s work on ML/AI, based on our research and policy and market dialogue regarding fairness, inclusion, and explainability in machine learning in credit underwriting.
Watch HearingVirtual Conference: Machine Learning Explained: Evidence on the Explainability and Fairness of ML Credit Models
FinRegLab hosted a virtual conference in April 2022 featuring research being conducted by FinRegLab and Professors Laura Blattner and Jann Spiess of the Stanford Graduate School of Business on the use of machine learning in credit underwriting, with a particular focus on their potential implications for explainability and fairness.
Learn MoreVirtual Conference: Artificial Intelligence and the Economy: Charting a Path for Responsible and Inclusive AI
The U.S. Department of Commerce and National Institute of Standards and Technology, FinRegLab, and the Stanford Institute for Human-Centered Artificial Intelligence (HAI), hosted a virtual conference in April 2022 on “Artificial Intelligence and the Economy: Charting a Path for Responsible and Inclusive AI.”
Learn MoreWebinar: Unlocking Doors: The Promise and Peril of Using Alternative Data in Mortgage Underwriting
Building on their report about the use of utility, telecommunications and rental payments history for credit underwriting, FinRegLab and the Urban Institute hosted a webinar in April 2022 to examine the current state of play and the evolving policy landscape. Leaders from the field discussed data access and quality and how to build more robust scoring and underwriting models.
Learn MoreExplainability in Machine Learning
Podcast Series
FinRegLab is periodically releasing podcasts with leading technologists, advocates, academics, and practitioners to highlight key questions in its ongoing research on the explainability and fairness of machine learning in credit underwriting.
Michael Akinwumi/Talia Gillis/Peter Zorn: Reimagining Fairness in AI/ML Underwriting Models
We discuss ways to improve the fairness of AI/ML models with Michael Akinwumi, Talia Gillis & Peter Zorn.
Listen NowStephen Hayes/Deborah Hellman/Manish Raghavan: Measuring Fairness in AI/ML Underwriting Models
We discuss how lenders approach model fairness with Stephen Hayes, Deborah Hellman & Manish Raghavan.
Listen NowAgus Sudjianto/Scott Zoldi: The Case for Interpretable Models in Credit Underwriting
Scott Zoldi, Chief Analytics Officer for FICO, and Agus Sudjianto, Executive Vice President and Head of Corporate Model Risk for Wells Fargo, discuss how their organizations use machine learning, what methods are available to build transparent machine learning models, and the limitations of certain explainability methods in high-stakes use cases such as credit underwriting.
Listen NowJohn Dickerson/Patrick Hall: The Current State of Machine Learning Explainability
John Dickerson, Assistant Professor of Computer Science at the University of Maryland and Chief Scientist at ArthurAI, and Patrick Hall, Co-Founder and Principal Scientist at bnh.ai, talk about the importance of trustworthy AI in financial services, how explainability techniques are currently being used to explain more complex machine learning models, and what we can expect the next generation of advances in explainability to address.
Listen NowScott Lundberg: The Evolution of Data Science Explainability
Microsoft Senior Researcher Scott Lundberg discusses recent advances in the data science of explainability, the usefulness of certain explainability techniques, and the application of Shapley values to explain the operation of various types of machine learning models.
Listen NowAI in Financial Services
In the months before announcing our research project on the use of machine learning models in credit underwriting, FinRegLab recorded podcasts with executives from the participating companies – Fiddler Labs; H2O.ai; Relational AI; SolasAI/BLDS, LLC; Stratyfy; and Zest AI. These companies represent a gamut of expertise and offerings in machine learning, data science, and explainability. The conversations focus on the individual companies’ origins and the speakers’ perspectives about various explainability and fairness concerns that are shaping how lenders, regulators, and other stakeholders are approaching the potential adoption of machine learning models for credit underwriting.
We also recorded a webinar with members of the federal regulatory community to explore their perspectives on both the opportunities and risks of AI in financial services and on critical outstanding questions about leveraging ML models to increase access to credit among underserved populations.
Arthur – Adam Wenchel, CEO
Arthur’s Adam Wenchel discusses regulation’s effect on AI underwriting models & the need for explainability & fairness.
Listen NowFiddler Labs – Krishna Gade, CEO
We discuss the evolution of risk monitoring and machine learning with Krishna Gade, founder and CEO of Fiddler Labs.
Listen NowH2O.ai – Sri Satish Ambati, CEO
We discuss managing risks of bias in historical data when using ML models with Sri Ambati, cofounder and CEO of H2O.ai.
Listen NowRelational AI – Molham Aref, CEO
We discuss causal inference in machine learning with Molham Aref, CEO of Relational.AI.
Listen NowSolasAI/BLDS, LLC – Bernard Siskin, Nicholas Schmidt, and Bryce Stephens
We discuss the evolution of anti-discrimination oversight with leaders of BLDS, LLC, which has since created Solas AI.
Listen NowStratyfy – Laura Kornhauser, CEO
We discuss the need to combine insights from data scientists and from credit risk and compliance managers when vetting ML models with Laura Kornhauser, cofounder and CEO of Stratyfy.
Listen NowZest AI – Jay Budzik, Chief Technology Officer
We discuss fairness and explainability with Jay Budzik, Chief Technology Officer of Zest AI.
Listen NowBuilding an Inclusive Recovery
FinRegLab recorded a webinar titled “Developing the Credit System for Greater Fairness and Inclusion” that explored how the Covid-19 pandemic and racial justice protests have increased interest in alternative data and other initiatives to address longstanding disparities in the credit system.
Webinar: Developing the Credit System for Greater Fairness and Inclusion
We discuss recent developments in consumer and small business credit with a diverse group of experts:
Grovetta Gardineer, Senior Deputy Comptroller for Bank Supervision Policy, Office of the Comptroller of the Currency
Jason Gross, Co-Founder & CEO, Petal
Michael Rapaport, Executive Vice President, Small Business Lending, Opportunity Fund
Larry Rosenberger, Research Fellow, FICO
Chi Chi Wu, Staff Attorney, National Consumer Law Center
The Use of Cash-Flow Data in
Underwriting Credit
FinRegLab recorded a series of podcasts with leaders from several of the companies that contributed data to our study of the use of bank account and other cash-flow information in credit underwriting to determine its potential to expand access for to credit for traditionally underserved populations. These companies were using cash-flow data to underwrite a variety of credit products for consumers and small businesses.
Intro – FinRegLab’s Cash Flow in Underwriting Experiment
FinRegLab CEO Melissa Koide provides an overview of our research project and podcast series.
Listen NowBrigit – Zuben Matthews, CEO
We speak with Zuben Mathews, CEO and cofounder of Brigit, which helps consumers bridge short-term cash flow needs.
Listen NowKabbage – Kathryn Petralia, President
We speak with Kathryn Petralia, President and cofounder of Kabbage, which provides small business loans.
Listen NowLendUp – Sasha Orloff, CEO
We speak with Sasha Orloff, CEO and cofounder of LendUp, a provider of consumer small-dollar loans.
Listen NowPetal – Jason Gross, CEO
We speak with Jason Gross, CEO and cofounder of Petal, a provider of consumer credit cards.
Listen Now