Collections Scoring, Privacy, and Consumer Impacts

This coming Thursday, Pam Dixon will be presenting new research on collections scoring, privacy, and impacts on low and middle income consumers. The Dixon/Gellman report, The Scoring of America, sparked a national conversation about analytics and fairness in the realm of consumer scores. This talk focuses on one particular category of scoring, that of using a variety of information to determine how “collectible” a consumer is, that is, if they can pay their debt. The collection score tells debt collectors which consumers to attempt to collect debts from, and which to ignore.

Collection scoring is a rapidly growing industry, and collection scores are being increasingly used by a range of businesses to determine collectibility. But are these scores accurate? How do these scores impact low income and middle income families? How about victims of identity theft? Can consumers ever see or correct collection scores? What fairness policies should collection scoring use in the application of these scores? This talk will be given at a major industry gathering of collections experts, the Credit and Collection News annual conference.

When: Thursday April 16, 1:30 pm

Where: Dana Point, California

More information: http://www.creditandcollectionnews.com/otherevents.php

Posted April 13, 2015 in Big Data, Consumer Privacy, Data Brokers, Digital Exhaust, Events and Conferences, Financial Privacy, Predictive Analytics

New Report: Risky Analysis: Assessing and Improving AI Governance Tools

We are pleased to announce the publication of a new WPF report, “Risky Analysis: Assessing and Improving AI Governance Tools.” This report sets out a definition of AI governance tools, documents why and how these tools are critically important for trustworthy AI, and where these tools are around the world. The report also documents problems in some AI governance tools themselves, and suggests pathways to improve AI governance tools and create an evaluative environment to measure their effectiveness. AI systems should not be deployed without simultaneously evaluating the potential adverse impacts of such systems and mitigating their risks, and most of the world agrees about the need to take precautions against the threats posed. The specific tools and techniques that exist to evaluate and measure AI systems for their inclusiveness, fairness, explainability, privacy, safety and other trustworthiness issues — called in the report collectively AI governance tools – can improve such issues. While some AI governance tools provide reassurance to the public and to regulators, the tools too often lack meaningful oversight and quality assessments. Incomplete or ineffective AI governance tools can create a false sense of confidence, cause unintended problems, and generally undermine the promise of AI systems. The report contains rich background details, use cases, potential solutions to the problems discussed in the report, and a global index of AI Governance Tools.
National IDs Around the World — Interactive map

About this Data Visualization: This interactive map displays the presence...
Report: From the Filing Cabinet to the Cloud: Updating the Privacy Act of 1974

This comprehensive report and proposed bill text is focused on the Privacy Act of 1974, an important and early Federal privacy law that applies to the government sector and some contractors. The Privacy Act was written for the 1970s information era -- an era that was characterized by the use of mainframe computers and filing cabinets. Today's digital information era looks much different than the '70s: smart phones are smarter than the old mainframes, and documents are now routinely digitized and stored and perhaps even analyzed in the cloud, among many other changes. The report focuses on why the Privacy Act needs an update that will bring it into this century, and how that could look and work. This work was written by Robert Gellman, and informed by a two-year multi-stakeholder process.