Fair-Lending Bias-Simulation Appliance
FL-BSA
FL-BSA — the Fair-Lending Bias-Simulation Appliance — is a self-hosted fair-outcomes evidence appliance for regulated credit decisions. It runs inside the customer-controlled environment and helps teams review credit-decision, affordability, pricing, underwriting, and policy-review workflows. Each run packages a PDF report, metrics, manifests, and certificates for governance, model-risk, audit, and regulatory review.
FL-BSA highlights
Customer-Hosted
Run inside your VPC, VM, or other customer-controlled environment.
Outcome Simulation
Stress-test lending decision patterns on synthetic borrower cohorts instead of live production decision traffic.
Evidence Packs
Generate reports, manifests, and certificates that support audit, model-risk, and regulatory review.
How it Works
Four steps from source snapshot to evidence prepared for governance review.
Step 1: Snapshot the Baseline
Point FL-BSA at a bounded, read-only snapshot of features and decisions (prepared CSV/Parquet or a warehouse pull) to establish the baseline for the run.
Step 2: Simulate Two Branches
Train two generative branches. Amplification asks: are we amplifying the unfairness already in our history? Intrinsic asks: would the model still discriminate if history were fairer? The gap between them is the audit object.
Step 3: Generate Hash-Linked Evidence
Every run emits a tamper-evident evidence manifest (SHA-256) plus certificates that link source data, model settings, and outputs.
Step 4: Review Findings and Act
Use the review-oriented report findings to tune models or document Less Discriminatory Alternatives (LDAs).
In build — measurement on your own decisions. Today FL-BSA evidences fairness on simulated decision patterns learned from your historical data; it never executes your models. We are building a production-targeted measurement mode for unsigned aggregate fairness measurements over customer-authored decision or score columns. It is in active development and is not part of the current release.
Deployment
Choose the customer-hosted path that fits your procurement and infrastructure model.
Guided AWS AMI
The current AWS path is controlled guided-pilot access to the AMI-first customer path or an agreed private handoff. Public AWS Marketplace access is not yet available.
Container
Deploy the container stack via docker-compose in your VPC, VM, or on-prem environment.
See Procurement & Deployment for deployment steps and prerequisites.
Licensing
Customer-hosted model: you control the infrastructure; we licence the appliance software through controlled qualification.
Controlled Pilot Access
- Request an evidence-readiness assessment, pricing, or guided pilot qualification.
- Scope one regulated-credit workflow, evidence question, data boundary, and deployment path.
- Commercial terms are finalized during qualification and may be delivered through a Private Offer or agreed private handoff.
Annual and volume licence structures are post-qualification options, not public cold-sell offers. Public AWS Marketplace access is not yet available.
Engagement Shapes
- Evidence-readiness assessment (~5 business days): a short findings memo on your workflow, schema, data boundary, and evidence gaps, with a stop/go recommendation. Pricing on request.
- Evidence readiness sprint (~2 weeks): an evidence-gap memo, a draft evidence-pack acceptance checklist, and a scoped plan for a controlled evidence run. Pricing on request.
- Fair outcomes evidence sprint (6–10 weeks): one controlled, customer-hosted evidence scenario delivered under controlled-pilot posture, with evidence-pack deliverables and a governance readout. Pricing on request.
Requesting an assessment commits you to nothing beyond a written reply.
Governance Evidence
Materials and controls designed to support security review, vendor due diligence, and regulatory dialogue.
FL-BSA is a simulation and evidence-packaging tool. It does not certify regulatory compliance or replace legal, compliance, or model-risk judgment.
Product Scope
- Self-hosted appliance (guided AWS deployment / Docker deployment).
- No borrower, model, or protected-attribute data sent to vendor SaaS in self-hosted deployments.
- Evidence bundle: PDF report, evidence manifest (SHA-256), certificate appendix.
Controls & Mapping
- Control mapping: FCA, EU AI Act, and ECOA touchpoints documented.
- Security posture: hardened images, optional Prometheus metrics.
- Change management: versioned releases.
Licensing & Usage
Usage terms are finalized during pilot qualification and can be provided through a Private Offer or agreed private handoff path. Public AWS Marketplace access is not yet available. Custom SLA terms and professional services statements of work are executed separately.
Open-source components are catalogued at /legal/.
Documentation
Public materials for evaluation, plus licensed technical docs for implementation teams.
Whitepaper
Public demo whitepaper covering FL-BSA's regulated-credit evidence model. The intake ZIP is an unsigned, non-evidence-grade diagnostics bundle with aggregate synthetic-data and fairness inputs used for the public whitepaper build. See the whitepaper page for provenance and verification steps.
Example Report
Pinned public demo report generated from the balanced scenario in the public GOLD run fixture. The ZIP is the supporting synthetic/demo GOLD run pack: balanced scenario artifacts, companion validation scenarios, row-level synthetic demo datasets, certificates, manifests, and evidence guides.
Current public technical-proof reference: v5.0.0-rc9-public-fix-2724455 (non-commercial prerelease). The downloads above are selected synthetic/demo assets from that public release; they are not customer output, legal advice, or proof of a public Marketplace launch.
Technical Docs
Licensed customers receive technical documentation, API references, and integration guides through our secure portal.
FAQ
Does any customer data leave our environment?
No. FL-BSA is self-hosted; all compute happens in your VPC or VM. It does not exfiltrate model parameters, raw data, or SCPD to Equilens-controlled services. Optional AWS Marketplace usage metering is enabled only by configuration.
How long does a typical run take?
Reference targets on a modern CPU: ~10k rows (full pipeline) typically in the ~20-25 minute range; ~100k rows (training) ≤ ~45 minutes. 1M+ rows are long-running capacity-planning scenarios. Actual performance depends on hardware, data complexity, and configuration.
Which regulatory frameworks are covered?
Evidence maps to ECOA/Reg B (US), EU AI Act, and FCA Consumer Duty. Certificate families include input validation, data profiling, hyperparameter tuning, model, generation process, synthetic quality/validation, and regulatory mapping.
How can FL-BSA be deployed?
Public AWS Marketplace access is not yet available. Contact Equilens for controlled guided-pilot access to the AMI-first AWS customer path, or agree a controlled container/VM deployment where appropriate. CPU-only and GPU-preferred profiles are supported.
What is included in the evidence bundle?
A PDF report, an evidence manifest (dataset hash, RNG seed, software version), and certificates. Artifacts are hash-linked for auditability and can be retrieved by Task ID.
Does FL-BSA test our actual production model?
Not in the current release. FL-BSA simulates decision patterns learned from your historical data; it does not load or execute your scorecard. We are building a production-targeted measurement mode for unsigned aggregate fairness measurements over customer-authored decision or score columns. It is not yet shipped.
Can we verify the evidence ourselves?
Yes. Evidence bundles are hash-linked (SHA-256) with a documented hashing spec shipped in the bundle. Where signatures are enabled, signed release manifests and vendor-authored evidence attestations can be verified against the published Equilens vendor trust root at /fl-bsa/trust-root.json. Direct-AMI/customer-local evidence may prove bundle consistency without proving vendor authorship. Verification is offline; no Equilens service is required.
Ready to scope an assessment?
Request an evidence-readiness assessment, pricing, or guided pilot qualification — a written reply, not a sales call.