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But a person can (and will, sometimes) be held accountable.

Nothing stops us from holding algorithm users accountable.

It certainly would help then, if the algorithm was scrutable.

It could be judged on outcome alone.

If you already know what the outcome is, why bother with the model in the first place?

Sorry, not the outcome of the model, but the outcome of the use of the model, i.e., the ex-post effect.

Who is holding loan officers accountable?