APFIVE Algorithmic Bias in Loan Approvals
A loan approval algorithm disproportionately rejects applicants from certain zip codes. Which statement best explains how algorithmic bias might be perpetuated in this scenario?
A
People in those zip codes are inherently less creditworthy
B
Historical lending data reflects past discriminatory practices
C
Applicants from those areas submit incomplete applications
D
The algorithm is programmed to maximize bank profits only
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