FairScreen ISP — 3-Model Consensus Screening

Active Screening Queue

16 pending · 231 completed today

Applicant / Property

Model A

Model B

Model C

Consensus

Score

Time

James Rivera

The Westbrook — Unit 14B

⋯

SCREENING...

—

now

Emily Zhang

Hudson Yards Tower — Unit 22A

✓

✗

REVIEW

Marcus Brown

Greenpoint Commons — Unit 5C

✓

APPROVED

Sarah Kim

The Westbrook — Unit 8D

✓

APPROVED

14m

David Okafor

Campus Village — Unit 12F

✗

DENIED

22m

Laura Petrov

Hudson Yards Tower — Unit 31B

✓

APPROVED

35m

Thanh Nguyen

Sunset Senior — Suite 4A

✓

REVIEW

41m

Aaliyah Jackson

Greenpoint Commons — Unit 9A

✓

APPROVED

48m

Disparate Impact — Real-Time

2.1%

20% (4/5ths)

0% — Compliant20% — Threshold100% — Violation

Protected classes analyzed: Race, Color, National Origin, Religion, Sex, Familial Status, Disability, Age, Sexual Orientation, Gender Identity, Lawful Source of Income, Veteran Status, Arrest Record

3-Model Consensus Status

Claude Sonnet 4

Primary evaluator · FCRA-trained

97.2%

Gemini 2.5 Pro

Secondary validator · Bias detection

96.8%

GPT-4o

Tertiary auditor · Disparate impact

95.4%

Consensus Rule: 2 of 3 models must agree. Unanimous disagreement → auto-escalation to human reviewer.

Immutable Audit Trail

2026-03-17 00:48:12 UTC

✓ Screening complete: Aaliyah Jackson — APPROVED

SHA-256: a3f8c2e1...7b4d9f06

2026-03-17 00:41:33 UTC

⚠ Screening escalated: Thanh Nguyen — HUMAN REVIEW

SHA-256: 9e2b4a71...c8f03d15

2026-03-17 00:35:07 UTC

✓ Screening complete: Laura Petrov — APPROVED

SHA-256: 5d1f8e93...2a6b7c48

2026-03-17 00:22:15 UTC

✗ Screening complete: David Okafor — DENIED (income ratio < 40x)

SHA-256: 7c4e2d89...1f5a3b06

Append-only ledger · 4,821 entries · Tamper-evident

Disparate Impact Analysis — Full Report

Real-time 4/5ths rule analysis across all protected classes. FairScreen evaluates every screening decision for statistical bias using the EEOC Uniform Guidelines methodology.

Protected Class	Approval Rate	Baseline Rate	Impact Ratio	Status
Race / Ethnicity	82.4%	84.1%	98.0%	PASS
National Origin	81.9%	84.1%	97.4%	PASS
Sex / Gender	83.7%	84.1%	99.5%	PASS
Familial Status	83.2%	84.1%	98.9%	PASS
Disability	83.9%	84.1%	99.8%	PASS
Lawful Source of Income	80.1%	84.1%	95.2%	PASS
Religion	84.0%	84.1%	99.9%	PASS
Sexual Orientation	83.5%	84.1%	99.3%	PASS
Veteran Status	85.2%	84.1%	101.3%	PASS

All 9 protected classes PASS 4/5ths rule (ratio > 80%) Updated: 14s ago

Claude Sonnet 4

Primary Evaluator

97.2%

Accuracy

0.8s

Avg Latency

4,821

Evaluated

1.4%

Bias Score

FCRA-trained on 2.4M anonymized rental decisions. Evaluates income verification, credit history, rental history, and employment stability without access to protected class data.

Gemini 2.5 Pro

Bias Validator

96.8%

Accuracy

0.6s

Avg Latency

4,821

Evaluated

1.1%

Bias Score

Independent bias detection layer. Evaluates Model A's decision for proxy discrimination, disparate treatment patterns, and statistical anomalies across protected classes.

GPT-4o

Disparate Impact Auditor

95.4%

Accuracy

0.9s

Avg Latency

4,821

Evaluated

0.9%

Bias Score

Tertiary auditor running real-time disparate impact analysis. Computes 4/5ths rule across all protected classes per EEOC Uniform Guidelines. Triggers escalation when ratio approaches threshold.

Immutable Audit Ledger — Last 24 Hours

Append-only, SHA-256 hash-chained. Every screening decision, model verdict, confidence score, and compliance check is permanently recorded. Tamper-evident — any modification breaks the hash chain.

2026-03-17 00:48:12.847 UTC

✓ SCREENING COMPLETE — Aaliyah Jackson — Unit 9A Greenpoint — APPROVED — Score: 89 — Consensus: 3/3 — Latency: 1.1s

SHA-256: a3f8c2e19d4b7a6058e31f2c0d8b4a9e7f1c3d5a8b2e4f6071839d4e5f6a7b4d9f06

2026-03-17 00:41:33.214 UTC

⚠ ESCALATION — Thanh Nguyen — Suite 4A Sunset Senior — HUMAN REVIEW — Score: 67 — Consensus: 2/3 — Model B flagged: income stability concern

SHA-256: 9e2b4a71c6d8f3e5a0b2c4d6e8f0a2b4c6d8e0f2a4b6c8d0e2f4a6b8c8f03d15

2026-03-17 00:35:07.591 UTC

✓ SCREENING COMPLETE — Laura Petrov — Unit 31B Hudson Yards — APPROVED — Score: 91 — Consensus: 3/3 — Latency: 0.9s

SHA-256: 5d1f8e93a7b4c6d2e8f0a3b5c7d9e1f3a5b7c9d1e3f5a7b9c1d3e5f72a6b7c48

2026-03-17 00:22:15.083 UTC

✗ SCREENING COMPLETE — David Okafor — Unit 12F Campus Village — DENIED — Score: 32 — Consensus: 3/3 — Reason: Income ratio 18x (requirement: 40x)

SHA-256: 7c4e2d89a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d9e1f3a5b7c9d1e3f51f5a3b06

2026-03-17 00:14:47.226 UTC

✓ SCREENING COMPLETE — Sarah Kim — Unit 8D Westbrook — APPROVED — Score: 94 — Consensus: 3/3 — Latency: 1.0s

SHA-256: b2d4f6a8c0e2f4a6b8d0e2f4a6b8c0d2e4f6a8b0c2d4e6f8a0b2c4d6e8f0a2b4

2026-03-17 00:08:31.774 UTC

⚠ ESCALATION — Emily Zhang — Unit 22A Hudson Yards — HUMAN REVIEW — Score: 71 — Consensus: 2/3 — Model C flagged: credit history inconsistency

SHA-256: e4f6a8b0c2d4e6f8a0b2c4d6e8f0a2b4c6d8e0f2a4b6c8d0e2f4a6b8c0d2e4f6

2026-03-17 00:02:19.448 UTC

✓ SCREENING COMPLETE — Marcus Brown — Unit 5C Greenpoint — APPROVED — Score: 88 — Consensus: 3/3 — Latency: 1.3s

SHA-256: c6d8e0f2a4b6c8d0e2f4a6b8c0d2e4f6a8b0c2d4e6f8a0b2c4d6e8f0a2b4c6d8

2026-03-16 23:55:06.112 UTC

🔒 DISPARATE IMPACT CHECK — All 9 protected classes PASS — Max deviation: 4.8% (Lawful Source of Income) — Threshold: 20%

SHA-256: f8a0b2c4d6e8f0a2b4c6d8e0f2a4b6c8d0e2f4a6b8c0d2e4f6a8b0c2d4e6f8a0

Chain Length: 4,821 entries · Genesis: 2026-01-15 00:00:00 UTC · Integrity: VERIFIED ✓

Multi-Jurisdiction Compliance Matrix

FairScreen automatically adapts screening criteria per local jurisdiction. Each jurisdiction has specific protected classes, disclosure requirements, and look-back periods that override federal baselines.

Jurisdiction	Framework	Protected Classes	Look-Back	Status
New York City	FARE Act + LL 144	14	5 years	Active
Colorado	ADAI Act	12	7 years	Active
California	CCPA + DFPI	13	3 years	Active
Illinois	AIPA + BIPA	11	5 years	Active
Washington	WLAD + AI Act	11	3 years	Active
Massachusetts	Chapter 151B	10	6 years	Active
New Jersey	LAD	13	2 years	Active
Oregon	ORS 659A	10	1 year	Active
Minnesota	MHRA	11	3 years	Active
Connecticut	AI Bill (pending)	—	—	Monitoring
Virginia	VCDPA extension	—	—	Monitoring
Federal	FHA + FCRA (baseline)	7	7 years	Active