- Severity
- HIGH
- Status
- OPEN
- Owner
- Credit Risk Analytics
- Root cause
- AI governance
- Test failure
- Operating effectiveness (COE)
- Opened
- 2026-03-25
- Due
- 2026-08-31
- Closed
- —
98 days old as of 2026-07-01
Latest credit model version released without disparate-impact testing.
FAIL
tested 2026-03-15
This issue records a COE failure, shown first.
Control Operating Effectiveness (COE)
Procedures evaluating whether the control operated over the testing period.
- 1.Confirm the current production model version has a completed fairness test on file dated before its release.
- 2.Select model versions released in the period and confirm each has fairness-testing evidence predating release.
- 3.Confirm any fairness findings were remediated or risk-accepted with documented approval before release.
Control Design Assessment (CDA)
Procedures evaluating whether the control is designed adequately.
- 1.Obtain and read the fairness-testing procedure; confirm it requires disparate-impact testing across protected classes before any model release.
- 2.Confirm the testing methodology and pass/fail thresholds are approved by model risk management prior to use.
Related issues
Same root cause or a shared entity
Score contribution
Issue-pressure points as of 2026-07-01, before the factor is capped at 0–100.
- Credit Decisioning Model25 of 45 pts
55.6% of this entity’s issue pressure
Annual priority score: 66 · issue pressure carries 10% weight in the active model — one factor among several behind that score.
- HIGH severity: 25
Linked entities
- Credit Decisioning Model
AI USE CASE · HIGH