If AI rejects your mortgage and can't explain why, when is the bank liable?
Impossible_Truth_629 · reddit · 2026-10-13
Using a mortgage rejection by an AI system as the hook, the author discusses the explainability dilemma: the bank may only say "the model assessed you as ineligible." What pattern it saw, which unknown factors it weighed, or whether it even decided correctly may be unexplainable even to the bank itself. AI makes lending faster and more consistent, but speed means little if people can't challenge a decision that affects their lives. The core question: at what point should a bank be held responsible for a decision its own AI can't properly explain?
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