Automating Bias: Cardozo Law Review 2023 Symposium

Cardozo Law Review, The Samuel & Ronnie Heyman Center on Corporate Governance, The Floersheimer Center for Constitutional Democracy and the Jacob Burns Center for Ethics in the Practice of Law are pleased to present the 2023 Cardozo Law Review Symposium: Automating Bias.

Please note that all visitors must provide proof that they are fully vaccinated (2 doses of the vaccine and 1 booster shot) 24 hours prior to their arrival, in order to be permitted to enter the building. Proof of vaccination can be emailed to cardozosymposiaeditor@gmail.com.

This program of three panels is approved for up to 3.0 transitional/non-transitional New York State CLE credits in the category “Areas of Professional Practice” and 1.5 non-transitional credits in the category “Diversity, Inclusion and Elimination of Bias.” To receive CLE credits for a panel, you must attend that part of the program “live.” We cannot award CLE credits for watching a recorded version of any part of this program.

This symposium will explore the use of artificial intelligence (AI), the use of this technology in consumer credit markets and the legal and policy issues surrounding these practices. Please note, this event will be live-streamed. The link will be shared closer to the date of the event. Please register to receive the link. The schedule for the symposium is as follows:

9:30-9:35 am - Welcome - Dean Melanie Leslie (Cardozo School of Law) and Sarika Andavolu, Editor-in-Chief of Cardozo Law Review

9:35-9:55 am - Introductory Remarks - Matthew Adam Bruckner (Howard University School of Law)

9:55-11:10 am - Panel 1: Scoping Credit Discrimination in the Age of AI

This panel will examine how the rise of AI in consumer credit markets expands the meaning of discrimination and fairness in lending.

Moderator: David Carlson (Cardozo School of Law)

Panelists:

• Talia Gillis (Columbia Law School) - “Price Discrimination” Discrimination
• Ted Janger (Brooklyn Law School) - Badges of Predation (co-authored with Susan Block-Lieb)
• Katherine Welbeck (Student Borrower Protection Center)

11:10-11:20 am - Break

11:20 am-12:50 pm - Panel 2: Programming Fairness

This Panel will examine technical solutions for mitigating discrimination risks in consumer credit markets arising from the use of AI.

Moderator: Pamela Foohey (Cardozo School of Law)

Panelists:

• Dan Björkegren (Brown University) - Welfare Credit Scoring (co-authored with Joshua Blumenstock and Suraj Nair)
• Nat Hoopes (Upstart) - Fairness and Inclusion with AI models
• Paula-Rose Stark (FinReg Lab)
• Nizan Packin (Baruch College/CUNY) - Decentralized Credit Scores (co-authored with Yafit Lev-Aretz)

12:50-1:00 pm - Break

1:00-2:30 - Lunch and Keynote: Fair Lending and the CFPB

Patrice Ficklin, Fair Lending Director, CFPB, and Carol Evans, Deputy Fair Lending Director, CFPB

2:30-2:40 pm - Break

2:40-4:10 pm - Panel 3: Regulating Fair Lending

This panel will explore regulatory responses to the discrimination and fairness risks generated by the increasing use of AI in consumer credit markets.

Moderator: Creola Johnson (Ohio State College of Law)

Panelists:

• Kathleen Engel (Suffolk University Law School) - Can Competition Help Solve the Problem of Algorithmic Bias?
• Cassandra Havard (University of South Carolina School of Law) - Digital Footprints
• Colin Hector (FTC) - Machine Learning, Dark Patterns, and Discriminatory Pricing
• Vijay Raghavan (Brooklyn Law School) - Benchmarking Discrimination

4:10-4:40 pm - Closing Remarks - Nikita Aggarwal (UCLA School of Law)