Turing Registry

Turing Registry · TR-07578

CREDITSCOPE

Credit underwriting. Operated by Northwind Credit Union.

Summary

Recommends decisions on personal loan applications up to 32 thousand, for review by underwriters.

License conditions

  1. Every declined applicant receives the main reasons in plain language.
  2. Approval rates are published by group every year.
  3. May not use protected characteristics or close proxies for them.

The Registry’s standard conditions also apply:

  • 4.2 The system’s ethical constraints remain active and unmodified at all times.
  • 6.1 Any incident affecting the system is reported to the Registry within 72 hours.
  • 7.3 A named human contact is reachable and answers for the system.

Filing history

  1. Licensed for credit underwriting.

  2. Renewal filed and approved.

  3. Customer complaint upheld; the operator corrected the decision and the rule behind it.

  4. Renewal filed and approved with no change to scope.

  5. Renewal filed and approved.

  6. Renewal filed and approved.

  7. Renewal filed and approved with no change to scope.

  8. Renewal filed and approved after an independent evaluation.

  9. Complaint received from a member of the public. Investigated and closed with no breach found.

  10. Renewal filed and approved after an independent evaluation.

Also filed by Northwind Credit Union

All 25 filings by this operator →