Turing Registry

Turing Registry · TR-08836

HARROW UNDERWRITE

Credit underwriting. Operated by Barville Savings Bank.

Summary

Assesses small-business credit applications using cash-flow data, with applicants’ consent.

License conditions

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

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. Data-retention audit completed. Two minor findings, both resolved.

  3. Renewal filed and approved.

  4. Human contact changed. Yara Saleh now answers for the system.

  5. Renewal filed and approved.

Also filed by Barville Savings Bank