AI0-001 AI Security, Ethics and Governance Practice Question
A bank deploys an AI system to approve loan applications. During testing, the model denies a disproportionate number of applicants from a particular demographic group, even after controlling for credit history. Which ethical principle is being violated?
⚠ Common exam trap
The AI0-001 exam often tests the distinction between fairness and transparency, where candidates mistakenly choose transparency because they confuse 'explaining why the model denied loans' with 'the model being biased against a group.'
Answer choices
Why each option matters
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
Fairness
The AI system's disparate impact on a demographic group, even after controlling for credit history, directly violates the principle of fairness. Fairness in AI requires that models do not produce biased outcomes that systematically disadvantage protected groups, regardless of whether the bias stems from training data, feature selection, or algorithmic design. This scenario describes a clear case of algorithmic bias, which fairness principles aim to prevent.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✗
Transparency
Why it's wrong here
Transparency involves openness about model decisions, not addressing disparate impact.
- ✗
Privacy
Why it's wrong here
Privacy focuses on data protection, not group-level discrimination.
- ✗
Accountability
Why it's wrong here
Accountability is about assigning responsibility, not preventing bias itself.
- ✓
Fairness
Why this is correct
Fairness requires equal treatment across demographic groups; the observed disparity indicates bias.
About these practice questions
One of 754 original AI0-001 practice questions on Courseiva, each with a full explanation and wrong-answer analysis — not exam dumps or protected exam content. Learn why practice questions differ from exam dumps →
JA
Written by Johnson Ajibi, MSc IT Security
Senior Network & Security Engineer · founder of Courseiva
This AI0-001 practice question is part of Courseiva's free CompTIA certification practice question bank. Courseiva provides original exam-style practice questions with explanations, topic-based practice, mock exams, readiness tracking, and study analytics to help learners prepare for the AI0-001 exam.