{
  "$schema": "https://aigovernanceengineer.com/schemas/risk-register-entry.v1.json",
  "risk_id": "rk-0042",
  "title": "Indirect age discrimination in affordability scores",
  "description": "Income-volatility features correlate with age; if the model leans on them, older applicants are declined more often for reasons unrelated to affordability.",
  "subjects": [
    "credit-afford-03"
  ],
  "failure_mode": "indirect age discrimination",
  "category": "fairness",
  "source": "internal",
  "affected_parties": [
    "applicants over 60"
  ],
  "inherent": {
    "likelihood": 3,
    "severity": 4,
    "score": 12,
    "catastrophic_override": false
  },
  "treatment": {
    "option": "mitigate",
    "controls": [
      {
        "control_id": "fairness-age-bands.v2",
        "type": "engineer",
        "layer": 3,
        "status": "verified"
      },
      {
        "control_id": "hitl-routing.v1",
        "type": "engineer",
        "layer": 4,
        "status": "verified"
      },
      {
        "control_id": "pmm fairness ratio weekly",
        "type": "monitor",
        "layer": 5,
        "status": "in_place"
      }
    ]
  },
  "residual": {
    "likelihood": 2,
    "severity": 3,
    "score": 6
  },
  "acceptance": {
    "authority": "head-of-retail-credit",
    "accepted_at": "2026-08-20",
    "expires": "2027-08-20",
    "signature": "ed25519:Hk2pL9qR4sT7vW0xY3zA6bC8dE1fG5hJ"
  },
  "owner": "model-risk",
  "review_cadence": "quarterly",
  "next_review": "2026-11-20",
  "links": {
    "incidents": [],
    "eval_results": [
      "fairness-age-bands.v2"
    ],
    "impact_assessments": [
      "fria-2026-004"
    ]
  },
  "status": "accepted"
}