Using case studies on credit lending, employment, higher education, and criminal justice, the report we are releasing today illustrates how big data techniques can be used to detect bias and prevent discrimination. It also demonstrates the risks involved, particularly how technologies can deliberately or inadvertently perpetuate, exacerbate, or mask discrimination.
The table of contents for the report gives a good overview of the issues addressed:
Big Data and Access to Credit
The Problem: Many Americans lack access to affordable credit due to thin or non-existent credit files.
The Big Data Opportunity: Use of big data in lending can increase access to credit for the financially underserved.
The Big Data Challenge: Expanding access to affordable credit while preserving consumer rights that protect against discrimination in credit eligibility decisions
Big Data and Employment
The Problem: Traditional hiring practices may unnecessarily filter out applicants whose skills match the job opening.
The Big Data Opportunity: Big data can be used to uncover or possibly reduce employment discrimination.
The Big Data Challenge: Promoting fairness, ethics, and mechanisms for mitigating discrimination in employment opportunity.
Big Data and Higher Education
The Problem: Students often face challenges accessing higher education, finding information to help choose the right college, and staying enrolled.
The Big Data Opportunity: Using big data can increase educational opportunities for the students who most need them.
The Big Data Challenge: Administrators must be careful to address the possibility of discrimination in higher education admissions decisions.
Big Data and Criminal Justice
The Problem: In a rapidly evolving world, law enforcement officials are looking for smart ways to use new technologies to increase community safety and trust.
The Big Data Opportunity: Data and algorithms can potentially help law enforcement become more transparent, effective, and efficient.
The Big Data Challenge: The law enforcement community can use new technologies to enhance trust and public safety in the community, especially through measures that promote transparency and accountability and mitigate risks of disparities in treatment and outcomes based on individual characteristics.