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Concretely, imagine you have a bank, and you decide you don’t want to give loans to black people.

You employ a machine learning algorithm, feed it some data that shows black people in poverty have high risk of default on loans and avoid giving it data that shows otherwise. Train your neural network hard.

Now when people ask about why you won’t don’t give out many loans to blacks, throw your hands up and say “I would but our advanced machine learning algorithms say these people are high risk, we’re not racist we’re just following the results.”



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