aceResponsible AI In Credit Portfolio Growth: A Risk-Controlled Framework For Artificial Intelligence–Driven Lending In U.S. Banks
This study develops and validates GUARD (Governance, Underwriting integrity, Accountability, Resilience, Disclosure), a risk-controlled framework for the deployment of artificial intelligence in credit origination and portfolio management by U.S. banking organizations. It examines how lenders can convert AI-driven underwriting into sustained credit portfolio growth while retaining defensible control over fair lending exposure, model risk, and consumer explanation obligations, in a supervisory environment that be…
A governance framework called GUARD is intended to help U.S. lenders turn AI-driven underwriting into sustained credit portfolio growth while keeping control over risk exposures.
Evidence
- Peer-reviewedInternational Journal of Business & Management Studies2026-10-20
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Truvace Impact Record TRV-2026-2117, v1: “Responsible AI In Credit Portfolio Growth: A Risk-Controlled Framework For Artificial Intelligence–Driven Lending In U.S. Banks.” Truvace, 2026-10-21. /record/TRV-2026-2117 (accessed at citation time). sha256 da45b82af120b3a8…
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