scholarly journals A United States Fair Lending Perspective on Machine Learning

2021 ◽  
Vol 4 ◽  
Author(s):  
Patrick Hall ◽  
Benjamin Cox ◽  
Steven Dickerson ◽  
Arjun Ravi Kannan ◽  
Raghu Kulkarni ◽  
...  
Keyword(s):  
United States ◽  
Machine Learning ◽  
Financial Services ◽  
The United States ◽  
Training Data ◽  
Consumer Finance ◽  
Regulatory Environment ◽  
The Many ◽  
Legal Concepts ◽  
Fair Lending

The use of machine learning (ML) has become more widespread in many areas of consumer financial services, including credit underwriting and pricing of loans. ML’s ability to automatically learn nonlinearities and interactions in training data is perceived to facilitate faster and more accurate credit decisions, and ML is now a viable challenger to traditional credit modeling methodologies. In this mini review, we further the discussion of ML in consumer finance by proposing uniform definitions of key ML and legal concepts related to discrimination and interpretability. We use the United States legal and regulatory environment as a foundation to add critical context to the broader discussion of relevant, substantial, and novel ML methodologies in credit underwriting, and we review numerous strategies to mitigate the many potential adverse implications of ML in consumer finance.

Applying the Devil's Works in a Holy Cause: Working-Class Popular Culture and the Salvation Army in the United States, 1879-1900

1997 ◽  
Vol 7 (2) ◽  
pp. 195-223
Author(s):  
Lillian Taiz
Keyword(s):  
United States ◽  
New York ◽  
New York City ◽  
Popular Culture ◽  
York City ◽  
The United States ◽  
Salvation Army ◽  
Public Meeting ◽  
The Many ◽  
Sunday Evening

Forty-eight hours after they landed in New York City in 1880, a small contingent of the Salvation Army held their first public meeting at the infamous Harry Hill's Variety Theater. The enterprising Hill, alerted to the group's arrival from Britain by newspaper reports, contacted their leader, Commissioner George Scott Railton, and offered to pay the group to “do a turn” for “an hour or two on … Sunday evening.” In nineteenth-century New York City, Harry Hill's was one of the best known concert saloons, and reformers considered him “among the disreputable classes” of that city. His saloon, they said, was “nothing more than one of the many gates to hell.”

scholarly journals Descriptors of Cytochrome Inhibitors and Useful Machine Learning Based Methods for the Design of Safer Drugs

2021 ◽  
Vol 14 (5) ◽  
pp. 472
Author(s):  
Tyler C. Beck ◽  
Kyle R. Beck ◽  
Jordan Morningstar ◽  
Menny M. Benjamin ◽  
Russell A. Norris
Keyword(s):  
United States ◽  
Machine Learning ◽  
Drug Interactions ◽  
The United States ◽  
Structural Features ◽  
Physiochemical Properties ◽  
Drug Dosing ◽  
Therapeutic Outcomes ◽  
Cyp Inhibition ◽  
Cyp Inhibitors

Roughly 2.8% of annual hospitalizations are a result of adverse drug interactions in the United States, representing more than 245,000 hospitalizations. Drug–drug interactions commonly arise from major cytochrome P450 (CYP) inhibition. Various approaches are routinely employed in order to reduce the incidence of adverse interactions, such as altering drug dosing schemes and/or minimizing the number of drugs prescribed; however, often, a reduction in the number of medications cannot be achieved without impacting therapeutic outcomes. Nearly 80% of drugs fail in development due to pharmacokinetic issues, outlining the importance of examining cytochrome interactions during preclinical drug design. In this review, we examined the physiochemical and structural properties of small molecule inhibitors of CYPs 3A4, 2D6, 2C19, 2C9, and 1A2. Although CYP inhibitors tend to have distinct physiochemical properties and structural features, these descriptors alone are insufficient to predict major cytochrome inhibition probability and affinity. Machine learning based in silico approaches may be employed as a more robust and accurate way of predicting CYP inhibition. These various approaches are highlighted in the review.

scholarly journals Challenges in Bridge Health Monitoring: A Review

Sensors ◽  
2021 ◽  
Vol 21 (13) ◽  
pp. 4336
Author(s):  
Piervincenzo Rizzo ◽  
Alireza Enshaeian
Keyword(s):  
United States ◽  
Health Monitoring ◽  
Highway Bridges ◽  
The United States ◽  
Anomalous Behavior ◽  
Existing Structures ◽  
Bridge Health Monitoring ◽  
Using Data ◽  
The Many ◽  
Major Factors

Bridge health monitoring is increasingly relevant for the maintenance of existing structures or new structures with innovative concepts that require validation of design predictions. In the United States there are more than 600,000 highway bridges. Nearly half of them (46.4%) are rated as fair while about 1 out of 13 (7.6%) is rated in poor condition. As such, the United States is one of those countries in which bridge health monitoring systems are installed in order to complement conventional periodic nondestructive inspections. This paper reviews the challenges associated with bridge health monitoring related to the detection of specific bridge characteristics that may be indicators of anomalous behavior. The methods used to detect loss of stiffness, time-dependent and temperature-dependent deformations, fatigue, corrosion, and scour are discussed. Owing to the extent of the existing scientific literature, this review focuses on systems installed in U.S. bridges over the last 20 years. These are all major factors that contribute to long-term degradation of bridges. Issues related to wireless sensor drifts are discussed as well. The scope of the paper is to help newcomers, practitioners, and researchers at navigating the many methodologies that have been proposed and developed in order to identify damage using data collected from sensors installed in real structures.

CIKM 2020 conference report

2021 ◽  
pp. 1-4
Author(s):  
Mathieu D'Aquin ◽  
Stefan Dietze
Keyword(s):  
United States ◽  
Machine Learning ◽  
Knowledge Management ◽  
Information Retrieval ◽  
Conference Report ◽  
The United States ◽  
Knowledge Based ◽  
The World ◽  
Science Conference ◽  
Information And Knowledge Management

The 29th ACM International Conference on Information and Knowledge Management (CIKM) was held online from the 19 th to the 23 rd of October 2020. CIKM is an annual computer science conference, focused on research at the intersection of information retrieval, machine learning, databases as well as semantic and knowledge-based technologies. Since it was first held in the United States in 1992, 28 conferences have been hosted in 9 countries around the world.

scholarly journals Moving Away from Category Exclusivity Deals to Sponsorship Activation Platforms: The Case of the Ryder Cup

2021 ◽  
Vol 13 (3) ◽  
pp. 1151
Author(s):  
Yunchao Bai ◽  
Brian H. Yim ◽  
John Breedlove ◽  
James J. Zhang
Keyword(s):  
United States ◽  
Social Media ◽  
Financial Services ◽  
Case Analysis ◽  
The United States ◽  
Brand Awareness ◽  
Inquiry Process ◽  
Standard Life ◽  
The Uk ◽  
Collaborative Efforts

As a biennial event, the Ryder Cup is a men’s golf competition between teams from Europe and the United States. Ernst & Young (EY) and Standard Life Investments (SLI), who are in same business category (i.e., financial services), have served as official partners of the event in recent years. While the two firms are willing to move away from the traditional sponsorship practices of category exclusivity deals, both have been able to achieve significant success through their collaborative efforts in activating their sponsorships. This is a new, fascinating phenomenon in both sponsorship concept and practice. Through an exploratory inductive inquiry process, in this study we conduct a case analysis by examining the sponsorship activations of EY and SLI at the 2014 Ryder Cup event held in the UK. The findings demonstrate that social media plays an impactful role in the companies’ ability to engage target audiences. EY used the Ryder Cup captain as a brand ambassador, who embodied its sponsorship theme of leadership and teamwork. SLI focused on running advertising campaigns to build company image and increase brand awareness.

scholarly journals The United States’ Regulatory Environment Is Evolving to Accommodate a Coming Boom in Gene Therapy Research

2019 ◽  
Vol 24 (3) ◽  
pp. 147-152 ◽  
Author(s):  
Daniel Eisenman
Keyword(s):  
United States ◽  
Gene Therapy ◽  
Clinical Trials ◽  
The United States ◽  
Regulatory Environment ◽  
Evidence Based ◽  
Regulatory Structure ◽  
Regulatory Changes ◽  
Current State ◽  
Therapy Field

Introduction: A dramatic increase in the number of clinical trials involving gene-modified cell therapy and gene therapy is taking place. The field is on the verge of a boom, and the regulatory environment is evolving to accommodate the growth. Discussion: This commentary summarizes the current state of the field, including an overview of the growth. The United States (US) regulatory structure for gene therapy will be summarized, and the evolution of the oversight structure will be explained. Conclusion: The gene therapy field has recently produced its first FDA-approved therapeutics and has a pipeline of other investigational products in the final stages of clinical trials before they can be evaluated by the FDA as safe and effective therapeutics. As research continues to evolve, so must the oversight structure. Biosafety professionals and IBCs have always played key roles in contributing to the safe, evidence-based advancement of gene therapy research. With the recent regulatory changes and current surge in gene therapy research, the importance of those roles has increased dramatically.

John Leighton Stuart and U.S.-Chinese Communist Rapprochement in 1949: Was There Another “Lost Chance in China”?

1982 ◽  
Vol 89 ◽  
pp. 74-96 ◽  
Author(s):  
Yu-ming Shaw
Keyword(s):  
United States ◽  
Cold War ◽  
The United States ◽  
Mao Zedong ◽  
Working Relationship ◽  
Republic Of China ◽  
The Many ◽  
The One ◽  
June July ◽  
The Cold War

Reverend John Leighton Stuart (1876–1962) served as U.S. ambassador to China from July 1946 until August 1949. In the many discussions of his ambassadorship the one diplomatic mission that has aroused the most speculation and debate was his abortive trip to Beijing, contemplated in June–July 1949, to meet with Mao Zedong and Zhou Enlai. Some students of Sino-American relations have claimed that had this trip been made the misunderstanding and subsequent hostility between the United States and the People's Republic of China in the post-1949 period could have been avoided; therefore, the unmaking of this trip constituted another “lost chance in China” in establishing a working relationship between the two countries. But others have thought that given the realities of the Cold War in 1949 and the internal political constraints existing in each country, no substantial result could have been gained from such a trip. Therefore, the thesis of a “lost chance in China” was more an unfounded speculation than a credible affirmation.

The U.S. Health Delivery System: Inefficient and Unfair to Children

1997 ◽  
Vol 23 (2-3) ◽  
pp. 319-337
Author(s):  
Loretta M. Kopelman ◽  
Michael G. Palumbo
Keyword(s):  
United States ◽  
Health Care ◽  
Universal Access ◽  
The United States ◽  
Industrialized Countries ◽  
Health Care Resources ◽  
Health Delivery ◽  
Hip Replacements ◽  
The Many ◽  
Older Citizens

What proportion of health care resources should go to programs likely to benefit older citizens, such as treatments for Alzheimer’s disease and hip replacements, and what share should be given to programs likely to benefit the young, such as prenatal and neonatal care? What portion should go to rare but severe diseases that plague the few, or to common, easily correctable illnesses that afflict the many? What percentage of funds should go to research, rehabilitation or to intensive care? Many nations have made such hard choices about how to use their limited funds for health care by explicitly setting priorities based on their social commitments. In the United States, however, allocation of health care resources has largely been left to personal choice and market forces. Although the United States spends around 14% of its gross national product (GNP) on health care, the United States and South Africa are the only two industrialized countries that fail to provide citizens with universal access.

End-of-Life Care behind Bars

2002 ◽  
Vol 10 (3) ◽  
pp. 233-241 ◽  
Author(s):  
Phyllis B. Taylor
Keyword(s):  
United States ◽  
End Of Life ◽  
End Of Life Care ◽  
The United States ◽  
Chronic Illnesses ◽  
Direct Result ◽  
Life Care ◽  
Prison Health ◽  
The Many ◽  
Changing Demographics

More people than ever before are being incarcerated in the United States. Many inmates are infected with HIV and hepatitis C. Sentences are increasing in length. Prison health care is now having to cope with the many chronic illnesses associated with an ill and aging population. The growth of end-of-life care programs in corrections in the United States is a direct result of the changing demographics of inmates. This article examines the need for end-of-life care behind bars and discusses selected hospice programs.

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