Hasibur Rahman

Auditable Credit Risk Intelligence for the U.S. Financial System: A Scalable Explainable-AI Framework Reconciling Predictive Performance with ECOA, FCRA, and Model Risk Governance

Machine-learning credit underwriting in the United States operates under three families of obligation that are not reducible to one another: a statutory prohibition on discrimination, a statutory duty to disclose the specific principal reasons for an adverse action, and prudential expectations for model risk management...