Housing AI compliance

On a fixed synthetic fixture, a 0.694 worst-group disparate-impact ratio (DIR) starts Equora's 480-configuration remediation search.

Equora turns a measured disparity into a reproducible search for a lower-disparity alternative, with the accuracy cost, exact decision evidence, and release gate kept in view.

0.694 to 0.875

Worst-group DIR movement

Fixed synthetic fixture

480

Configurations evaluated

Bounded equal-selectivity search

0.36%

Measured accuracy cost

AUC 0.7823 to 0.7788

All primary results shown here come from a fixed 9,000-record synthetic applicant pool. Equora is an engineering demonstration, not legal advice or a production decisioning system.

The problem

A fairness metric can identify disparity. It cannot choose the operational response.

A tenant-screening audit may tell counsel and model-risk teams that outcomes differ across protected groups. The hard work starts next: determine whether a facially neutral alternative reduces the disparity, preserves useful model performance, and can be replayed later.

The November 2024 SafeRent settlement provides important context for why screening systems receive scrutiny. The $2.275 million settlement contained no admission of wrongdoing, and this demo does not reproduce that matter.

The evidence a red score does not supply

  • 01Which neutral alternatives were actually evaluated
  • 02Whether candidates were compared at equal selectivity
  • 03How much measured performance the selected change costs
  • 04Whether an applicant-facing reason matches the decision record

Sources: DOJ Civil Rights Division case page and the Final Approval Order filed November 20, 2024.

How it works

The audit feeds a bounded remediation search.

The measurement, search, recommendation, and release checks remain deterministic.

Measure

Measure the baseline before remediation

Equora fits ScreenScore v3 (credit-leaning baseline) on the bundled synthetic pool and reports approval rate, disparate-impact ratio, statistical-parity difference, and equalized-odds gap. Race and voucher status are audit fields, not model features.

Search

Evaluate explicit neutral changes at equal selectivity

The Least Discriminatory Alternative (LDA) search evaluates 480 combinations of optional feature subsets, credit-score caps, guaranteed-income treatment, and regularization strength. The search space is explicit and bounded.

Select

Choose by a reproducible rule

The engine plots the accuracy and minimum-DIR Pareto frontier, then selects the qualifying candidate with the smallest measured AUC loss inside the configured 0.03 budget. If no candidate qualifies, it returns no safe alternative.

Gate

Refuse unsupported explanation text

Exact linear-model attribution identifies the top three negative contributors. A feature-grounding critic compares those drivers with the reasons in the notice and routes unsupported or generic explanations to human review.

Proof from the demo

The tradeoff stays visible from baseline to recommendation.

These screens show the actual local demonstration on its fixed synthetic fixture.

Equora Pareto frontier showing the synthetic baseline at 0.694 DIR, the recommended alternative at 0.875 DIR, and a 0.36 percent measured accuracy cost
The central proof: 480 configurations evaluated, 240 inside the configured gate and AUC budget, with the recommended tradeoff recorded on the Pareto frontier.
Equora completed synthetic tenant-screening audit with worst-group disparate-impact ratio and protected-group results
The baseline audit identifies the disparity before the alternative search begins.
Equora notice verification showing a feature-grounded reason passing and a generic reason routing to human review
The release gate checks feature grounding only. It does not certify full notice compliance.

Honest landscape

What changes when the workflow continues past the audit

Equora is designed to make a bounded remediation decision inspectable, not to turn one metric into a legal verdict.

Question A fairness score alone Equora demonstration
What was measured?A disparity at one model configurationDIR, SPD, EO gap, approval rates, and confidence intervals on the fixed fixture
What could change?UnspecifiedA declared grid of facially neutral configurations compared at equal selectivity
Why this recommendation?No selection recordThe smallest measured AUC loss among qualifying candidates in the bounded search
Can notice reasons be checked?Outside the scoreCited features are compared with the exact top three negative contributors

What this demo does not do

Equora does not establish legal compliance, certify a model as fair, search every possible model, or validate production housing performance. Its 0.80 threshold is the demo's configured four-fifths policy gate.

The applicant pool is synthetic, the rule pack is static, and production connectors are not built. The notice critic verifies feature grounding only, while the UCI Adult run is a public census-income fairness benchmark rather than tenant data.

Questions housing, risk, and compliance teams ask

What does Equora do when a tenant-screening model misses the demo's configured four-fifths policy gate?

Equora evaluates 480 explicit, facially neutral configurations at equal selectivity. It recommends the qualifying candidate with the smallest measured AUC loss inside the demo's configured four-fifths policy gate and accuracy budget, or returns no safe alternative when none qualifies.

Does a DIR below 0.80 prove a Fair Housing Act violation?

No. Equora uses 0.80 as the demo's configured four-fifths policy gate, not as a legal conclusion. The four-fifths heuristic originates in employment-selection guidance and does not by itself determine housing-law liability.

How much model performance does the recommended alternative give up?

On the fixed synthetic fixture, AUC moves from 0.7823 to 0.7788. The measured loss is 0.0036, shown in the interface as a 0.36% accuracy cost, while worst-group DIR moves from 0.694 to 0.875.

Is Equora making tenant-screening decisions with a language model?

No. Deterministic code computes metrics, applies thresholds, evaluates alternatives, and selects the recommendation. A language model, when enabled, is limited to drafting notice text, and offline mode uses a deterministic template.

Does the adverse-action notice check prove full FCRA compliance?

No. The feature-grounding critic checks whether cited reasons match the model's top three negative feature contributions. It routes unsupported or generic reasons to human review, but it does not verify every statutory notice element or establish legal sufficiency.

Is the data in this housing AI demonstration real applicant data?

No. The primary dataset is a fixed, bundled synthetic tenant-screening pool of 9,000 records. The separate UCI Adult Census Income run is a public fairness benchmark that exercises the same audit code, not a housing validation dataset.

Technical Research

The research behind this demo — the architecture, the verification design, and the enterprise blueprint.

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Make the response to a red audit reproducible.

Bring the model, the policy boundary, and the evidence obligations into one review.

If your team is defining audit, remediation, and release controls for housing AI, contact us to discuss the evidence the review should retain.

Demonstrated audit and evidence controls

  • ✓ Protected-group metric design
  • ✓ Policy-gate specification
  • ✓ Confidence and significance reporting
  • ✓ Reviewable JSON and HTML artifacts

Demonstrated remediation and release controls

  • ✓ Bounded neutral-alternative search
  • ✓ Accuracy and disparity tradeoff review
  • ✓ Exact decision-driver attribution
  • ✓ Human-review release gates