While it may be true that Apple and their underwriters were found innocent of fair lending violations, the ruling came with clear caveats that should be a warning sign to enterprises using machine learning within any regulated space. The Apple Card case is a strong example of how current anti-discrimination laws fall short of the fast pace of scientific research in the emerging field of quantifiable fairness. For more information, see Feature Availability.Advocates of algorithmic justice have begun to see their proverbial “days in court” with legal investigations of enterprises like UHG and Apple Card.
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