Turn a fairness concern into a test plan

Convert a vague fairness concern into a test plan for credit-risk screening. Group -> decision -> harmful error -> comparison -> action threshold. The weak pattern is to report only overall accuracy, which can look strong while a smaller group absorbs the harmful errors. Before The model is 87% accurate overall, so the team plans to launch. After The team measures false declines for thin-file applicants, sets a review trigger, and monitors outcomes weekly. Group Thin-file applicants: fewer than two traditional credit lines. The group definition must be observable and relevant to the use case. Decision Loan application moves to…

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