Podcasts

John Dickerson/Patrick Hall: The Current State of Machine Learning Explainability


We discuss ML explainability in credit underwriting with John Dickerson (UMD) and Patrick Hall (bnh.ai).

John Dickerson

Chief Scientist
Arthur AI

Patrick Hall

Principal Scientist
bnh.ai

Melissa Koide

CEO & Director
FinRegLab

Prior to establishing FinRegLab, Melissa served almost five years as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy. In that role, Melissa led the work to create the agency’s consumer policy positions and research on how banks and nonbanks were leveraging data and technology to improve consumers’ financial access and well-being. Melissa also helped to establish the myRA, a government offered preretirement savings account. She has testified repeatedly before the Senate Banking and House Financial Services Committees and spoken widely to policy, industry, and consumer-advocacy audiences. Melissa currently serves on the New York Fed’s Innovation Council, FINRA’s Fintech Industry Committee, and the New York State Department of Financial Services’ Financial Innovation Advisory Board.

Related Publications

  • Explainability and Fairness in Machine Learning for Credit Underwriting

    FinRegLab worked with a team of researchers from the Stanford Graduate School of Business to evaluate the explainability and fairness of machine learning for credit underwriting. We focused on measuring the ability of currently available model diagnostic tools to provide information about the performance and capabilities of machine learning underwriting models. This research helps stakeholders… Learn More


About FinRegLab

FinRegLab is an independent, nonprofit organization that conducts research and experiments with new technologies and data to drive the financial sector toward a safe and responsible marketplace. The organization also facilitates discourse across the financial ecosystem to inform public policy and market practices. To receive periodic updates on the latest research, subscribe to FRL’s newsletter and visit www.finreglab.org. Follow FinRegLab on LinkedIn.

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