問題文
A credit union is choosing between two models for its personal loan decisions. The first is more accurate on the evaluation set. The second is less accurate but each decision can be traced to three weighted factors. Members have a statutory right to the reasons for a refusal. An auditor is asked which requirement should govern. What is the correct advice?
選択肢
- Neither governs, because the choice is a business decision for the credit union's management rather than one for an auditor.
- Accuracy governs, and the credit union should apply an explanation tool to the more accurate model afterward, which recovers the reasons without giving up the accuracy and therefore satisfies both requirements simultaneously without the credit union having to choose between them at all.
- Precision governs, because fewer wrong refusals is what the right to reasons exists to protect.
- The right to reasons governs, so the accuracy the credit union gives up is the cost of meeting an obligation it cannot set aside, because a refusal it cannot explain is not one it may issue.