This engaging fireside chat with noted economist, Dr. Rikard Bandebo, will explore the critical role of credit scoring systems in the U.S. economy including how credit scores can either facilitate or impede access to credit. Dr. Bandebo, will discuss the importance of compliance with civil rights and consumer protection laws to address algorithmic bias, increase financial inclusion, and reduce risks to lenders. Additionally, Ms. Rice and Dr. Bandebo will examine the legal and regulatory frameworks that ensure fairness and prevent discrimination in credit scoring as well as efforts to modernize and increase competition amongst the systems used in the residential mortgage market.