The Results - Deepstash

The Results

Our long-term analysis found two results. First, as found by Liu et al., the equal opportunity agent (EO agent) overlends to the disadvantaged group (group 2, which initially has a lower average credit score) by sometimes applying a lower threshold for the group than would be applied by the max reward agent.

Second, equal opportunity constraints — enforcing equalized TPR between groups at each step — does not equalize TPR in aggregate over the simulation.


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