(e.g. credit history, payment history, rent and house purchase history, number of dependents, driving record, employment record, education, etc) • Protected attribute (e.g. race) • Prediction target (e.g. load defaulting, non-appearance, recidivism) • Learn predictor () or (, ) for • Learn based on training set , , =1.. …can mostly assume population distribution (, , ) is known • What does it mean for to be non-discriminatory?