Research Papers

Equalizing Credit Opportunity in Algorithms: Aligning Algorithmic Fairness Research with U.S. Fair Lending Regulation

I. Elizabeth Kumar, Keegan E. Hines, John P. Dickerson

Credit is an essential component of financial wellbeing in America, and unequal access to it is a large factor in the economic disparities between demographic groups that exist today. Today, machine learning algorithms, sometimes trained on alternative data, are increasingly being used to determine access to credit, yet research has shown that machine learning can encode many different versions of "unfairness," thus raising the concern that banks and other financial institutions could -- potentially unwittingly -- engage in illegal discrimination through the use of this technology. In the US, there are laws in place to make sure discrimination does not happen in lending and agencies charged with enforcing them. However, conversations around fair credit models in computer science and in policy are often misaligned: fair machine learning research often lacks legal and practical considerations specific to existing fair lending policy, and regulators have yet to issue new guidance on how, if at all, credit risk models should be utilizing practices and techniques from the research community. This paper aims to better align these sides of the conversation. We describe the current state of credit discrimination regulation in the United States, contextualize results from fair ML research to identify the specific fairness concerns raised by the use of machine learning in lending, and discuss regulatory opportunities to address these concerns.

This study explores the complexities of integrating Artificial Intelligence (AI) into Autonomous Vehicles (AVs), examining the challenges introduced by AI components and the impact on testing procedures, focusing on some of the essential requirements for trustworthy AI. Topics addressed include the role of AI at various operational layers of AVs, the implications of the EU's AI Act on AVs, and the need for new testing methodologies for Advanced Driver Assistance Systems (ADAS) and Automated Driving Systems (ADS). The study also provides a detailed analysis on the importance of cybersecurity audits, the need for explainability in AI decision-making processes and protocols for assessing the robustness and ethical behaviour of predictive systems in AVs. The paper identifies significant challenges and suggests future directions for research and development of AI in AV technology, highlighting the need for multidisciplinary expertise.

This paper presents a research study on the use of Convolutional Neural Network (CNN), ResNet50, InceptionV3, EfficientNetB0 and NASNetMobile models to efficiently detect brain tumors in order to reduce the time required for manual review of the report and create an automated system for classifying brain tumors. An automated pipeline is proposed, which encompasses five models: CNN, ResNet50, InceptionV3, EfficientNetB0 and NASNetMobile. The performance of the proposed architecture is evaluated on a balanced dataset and found to yield an accuracy of 99.33% for fine-tuned InceptionV3 model. Furthermore, Explainable AI approaches are incorporated to visualize the model's latent behavior in order to understand its black box behavior. To further optimize the training process, a cost-sensitive neural network approach has been proposed in order to work with imbalanced datasets which has achieved almost 4% more accuracy than the conventional models used in our experiments. The cost-sensitive InceptionV3 (CS-InceptionV3) and CNN (CS-CNN) show a promising accuracy of 92.31% and a recall value of 1.00 respectively on an imbalanced dataset. The proposed models have shown great potential in improving tumor detection accuracy and must be further developed for application in practical solutions. We have provided the datasets and made our implementations publicly available at - https://github.com/shahariar-shibli/Explainable-Cost-Sensitive-Deep-Neural-Networks-for-Brain-Tumor-Detection-from-Brain-MRI-Images

The right to be forgotten (RTBF) is motivated by the desire of people not to be perpetually disadvantaged by their past deeds. For this, data deletion needs to be deep and permanent, and should be removed from machine learning models. Researchers have proposed machine unlearning algorithms which aim to erase specific data from trained models more efficiently. However, these methods modify how data is fed into the model and how training is done, which may subsequently compromise AI ethics from the fairness perspective. To help software engineers make responsible decisions when adopting these unlearning methods, we present the first study on machine unlearning methods to reveal their fairness implications. We designed and conducted experiments on two typical machine unlearning methods (SISA and AmnesiacML) along with a retraining method (ORTR) as baseline using three fairness datasets under three different deletion strategies. Experimental results show that under non-uniform data deletion, SISA leads to better fairness compared with ORTR and AmnesiacML, while initial training and uniform data deletion do not necessarily affect the fairness of all three methods. These findings have exposed an important research problem in software engineering, and can help practitioners better understand the potential trade-offs on fairness when considering solutions for RTBF.

There are synergies of research interests and industrial efforts in modeling fairness and correcting algorithmic bias in machine learning. In this paper, we present a scalable algorithm for spectral clustering (SC) with group fairness constraints. Group fairness is also known as statistical parity where in each cluster, each protected group is represented with the same proportion as in the entirety. While FairSC algorithm (Kleindessner et al., 2019) is able to find the fairer clustering, it is compromised by high costs due to the kernels of computing nullspaces and the square roots of dense matrices explicitly. We present a new formulation of underlying spectral computation by incorporating nullspace projection and Hotelling's deflation such that the resulting algorithm, called s-FairSC, only involves the sparse matrix-vector products and is able to fully exploit the sparsity of the fair SC model. The experimental results on the modified stochastic block model demonstrate that s-FairSC is comparable with FairSC in recovering fair clustering. Meanwhile, it is sped up by a factor of 12 for moderate model sizes. s-FairSC is further demonstrated to be scalable in the sense that the computational costs of s-FairSC only increase marginally compared to the SC without fairness constraints.

In wearable smart systems, continuous monitoring and accurate classification of different sleep-related conditions are critical for enhancing sleep quality and preventing sleep-related chronic conditions. However, the requirements for device-skin coupling quality in electrophysiological sleep monitoring systems hinder the comfort and reliability of night wearing. Here, we report a washable, skin-compatible smart garment sleep monitoring system that captures local skin strain signals under weak device-skin coupling conditions without positioning or skin preparation requirements. A printed textile-based strain sensor array responds to strain from 0.1% to 10% with a gauge factor as high as 100 and shows independence to extrinsic motion artefacts via strain-isolating printed pattern design. Through reversible starching treatment, ink penetration depth during direct printing on garments is controlled to achieve batch-to-batch performance variation < 10%. Coupled with deep learning, explainable artificial intelligence (XAI), and transfer learning data processing, the smart garment is capable of classifying six sleep states with an accuracy of 98.6%, maintaining excellent explainability (classification with low bias) and generalization (95% accuracy on new users with few-shot learning less than 15 samples per class) in practical applications, paving the way for next-generation daily sleep healthcare management.

Towards Understanding Fairness and its Composition in Ensemble Machine Learning

Usman Gohar, Sumon Biswas, Hridesh Rajan

Machine Learning (ML) software has been widely adopted in modern society, with reported fairness implications for minority groups based on race, sex, age, etc. Many recent works have proposed methods to measure and mitigate algorithmic bias in ML models. The existing approaches focus on single classifier-based ML models. However, real-world ML models are often composed of multiple independent or dependent learners in an ensemble (e.g., Random Forest), where the fairness composes in a non-trivial way. How does fairness compose in ensembles? What are the fairness impacts of the learners on the ultimate fairness of the ensemble? Can fair learners result in an unfair ensemble? Furthermore, studies have shown that hyperparameters influence the fairness of ML models. Ensemble hyperparameters are more complex since they affect how learners are combined in different categories of ensembles. Understanding the impact of ensemble hyperparameters on fairness will help programmers design fair ensembles. Today, we do not understand these fully for different ensemble algorithms. In this paper, we comprehensively study popular real-world ensembles: bagging, boosting, stacking and voting. We have developed a benchmark of 168 ensemble models collected from Kaggle on four popular fairness datasets. We use existing fairness metrics to understand the composition of fairness. Our results show that ensembles can be designed to be fairer without using mitigation techniques. We also identify the interplay between fairness composition and data characteristics to guide fair ensemble design. Finally, our benchmark can be leveraged for further research on fair ensembles. To the best of our knowledge, this is one of the first and largest studies on fairness composition in ensembles yet presented in the literature.

This paper examines two different yet related questions related to explainable AI (XAI) practices. Machine learning (ML) is increasingly important in financial services, such as pre-approval, credit underwriting, investments, and various front-end and back-end activities. Machine Learning can automatically detect non-linearities and interactions in training data, facilitating faster and more accurate credit decisions. However, machine learning models are opaque and hard to explain, which are critical elements needed for establishing a reliable technology. The study compares various machine learning models, including single classifiers (logistic regression, decision trees, LDA, QDA), heterogeneous ensembles (AdaBoost, Random Forest), and sequential neural networks. The results indicate that ensemble classifiers and neural networks outperform. In addition, two advanced post-hoc model agnostic explainability techniques - LIME and SHAP are utilized to assess ML-based credit scoring models using the open-access datasets offered by US-based P2P Lending Platform, Lending Club. For this study, we are also using machine learning algorithms to develop new investment models and explore portfolio strategies that can maximize profitability while minimizing risk.

Gender classification algorithms have important applications in many domains today such as demographic research, law enforcement, as well as human-computer interaction. Recent research showed that algorithms trained on biased benchmark databases could result in algorithmic bias. However, to date, little research has been carried out on gender classification algorithms' bias towards gender minorities subgroups, such as the LGBTQ and the non-binary population, who have distinct characteristics in gender expression. In this paper, we began by conducting surveys on existing benchmark databases for facial recognition and gender classification tasks. We discovered that the current benchmark databases lack representation of gender minority subgroups. We worked on extending the current binary gender classifier to include a non-binary gender class. We did that by assembling two new facial image databases: 1) a racially balanced inclusive database with a subset of LGBTQ population 2) an inclusive-gender database that consists of people with non-binary gender. We worked to increase classification accuracy and mitigate algorithmic biases on our baseline model trained on the augmented benchmark database. Our ensemble model has achieved an overall accuracy score of 90.39%, which is a 38.72% increase from the baseline binary gender classifier trained on Adience. While this is an initial attempt towards mitigating bias in gender classification, more work is needed in modeling gender as a continuum by assembling more inclusive databases.

COMPL-AI Framework: A Technical Interpretation and LLM Benchmarking Suite for the EU Artificial Intelligence Act

Philipp Guldimann, Alexander Spiridonov, Robin Staab +9

The EU's Artificial Intelligence Act (AI Act) is a significant step towards responsible AI development, but lacks clear technical interpretation, making it difficult to assess models' compliance. This work presents COMPL-AI, a comprehensive framework consisting of (i) the first technical interpretation of the EU AI Act, translating its broad regulatory requirements into measurable technical requirements, with the focus on large language models (LLMs), and (ii) an open-source Act-centered benchmarking suite, based on thorough surveying and implementation of state-of-the-art LLM benchmarks. By evaluating 12 prominent LLMs in the context of COMPL-AI, we reveal shortcomings in existing models and benchmarks, particularly in areas like robustness, safety, diversity, and fairness. This work highlights the need for a shift in focus towards these aspects, encouraging balanced development of LLMs and more comprehensive regulation-aligned benchmarks. Simultaneously, COMPL-AI for the first time demonstrates the possibilities and difficulties of bringing the Act's obligations to a more concrete, technical level. As such, our work can serve as a useful first step towards having actionable recommendations for model providers, and contributes to ongoing efforts of the EU to enable application of the Act, such as the drafting of the GPAI Code of Practice.

This study investigates the effectiveness of Explainable Artificial Intelligence (XAI) techniques in predicting suicide risks and identifying the dominant causes for such behaviours. Data augmentation techniques and ML models are utilized to predict the associated risk. Furthermore, SHapley Additive exPlanations (SHAP) and correlation analysis are used to rank the importance of variables in predictions. Experimental results indicate that Decision Tree (DT), Random Forest (RF) and eXtreme Gradient Boosting (XGBoost) models achieve the best results while DT has the best performance with an accuracy of 95:23% and an Area Under Curve (AUC) of 0.95. As per SHAP results, anger problems, depression, and social isolation are the leading variables in predicting the risk of suicide, and patients with good incomes, respected occupations, and university education have the least risk. Results demonstrate the effectiveness of machine learning and XAI framework for suicide risk prediction, and they can assist psychiatrists in understanding complex human behaviours and can also assist in reliable clinical decision-making.

Future advances in AI that automate away human labor may have stark implications for labor markets and inequality. This paper proposes a framework to analyze the effects of specific types of AI systems on the labor market, based on how much labor demand they will create versus displace, while taking into account that productivity gains also make society wealthier and thereby contribute to additional labor demand. This analysis enables ethically-minded companies creating or deploying AI systems as well as researchers and policymakers to take into account the effects of their actions on labor markets and inequality, and therefore to steer progress in AI in a direction that advances shared prosperity and an inclusive economic future for all of humanity.