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Question

Difficulty: HardSufficient Assumption

Ethics Analyst: Any algorithmic underwriting model that evaluates borrower risk primarily through secondary transaction data inevitably relies on unverified behavioral proxies. Furthermore, any underwriting model that relies on unverified behavioral proxies fails to satisfy the regulatory threshold for fair lending practices. Thus, any algorithmic underwriting model adopted by sovereign credit unions will fail to satisfy the regulatory threshold for fair lending practices.

The ethics analyst's conclusion follows logically if which one of the following is assumed?

  1. A
    Any underwriting model that evaluates borrower risk primarily through secondary transaction data is an algorithmic model adopted by sovereign credit unions.
  2. B
    Most algorithmic underwriting models adopted by sovereign credit unions evaluate borrower risk primarily through secondary transaction data.
  3. Every algorithmic underwriting model adopted by sovereign credit unions evaluates borrower risk primarily through secondary transaction data.Answer
  4. D
    Any underwriting model that fails to satisfy the regulatory threshold for fair lending practices relies on unverified behavioral proxies.
  5. E
    Algorithmic underwriting models are the only underwriting models capable of satisfying the regulatory threshold for fair lending practices.

Answer

Every algorithmic underwriting model adopted by sovereign credit unions evaluates borrower risk primarily through secondary transaction data.
The correct answer provides the precise sufficient condition needed to validly bridge the argument's premises to its conclusion. The argument establishes that evaluating risk via secondary transaction data leads to unverified behavioral proxies, which in turn leads to failing the fair lending threshold. Assuming that all sovereign credit union models evaluate risk via secondary transaction data establishes a complete conditional chain from sovereign credit union models directly to regulatory failure.

Step-by-Step Solution

1
Isolate the premises and conclusion and formalize the conditional statements.
Premise 1: Model using secondary transaction data -> Relies on unverified behavioral proxies. Premise 2: Relies on unverified behavioral proxies -> Fails fair lending threshold. Combined Premise Chain: Model using secondary transaction data -> Fails fair lending threshold. Conclusion: Model adopted by sovereign credit unions -> Fails fair lending threshold.
Deconstructing the argument into symbolic logic clarifies the exact inferential gap.
2
Identify the missing link required to make the conclusion follow deductively.
The subject of the conclusion ('Model adopted by sovereign credit unions') is not connected to the sufficient condition of Premise 1 ('Model using secondary transaction data'). The required bridge is: Model adopted by sovereign credit unions -> Model using secondary transaction data.
A sufficient assumption must close 100% of the inferential gap so that Premises + Assumption logically necessitate the Conclusion.
3
Evaluate the answer choices to locate the statement providing this exact conditional link.
The statement specifying that every algorithmic underwriting model adopted by sovereign credit unions evaluates borrower risk primarily through secondary transaction data perfectly connects the left side of the conclusion to the established premise chain.
This completes the deductive chain: Sovereign credit union model -> Secondary transaction data -> Unverified behavioral proxies -> Fails fair lending threshold.

Key Concept

Sufficient Assumption Deductive Bridging
Estimated Time:2m 0s
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Topics

Sufficient Assumption

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