FairPlay Audit Finds Prism Data's CashScore Shows No Bias in Lending
Los Angeles – – September 28, 2026 -- An independent fairness assessment by FairPlay found no statistically significant disparities between protected class and non-protected class consumers evaluated using Prism Data's CashScore, a cash flow underwriting score built on real-time deposit transaction data.
CashScore shows no proxy risk for protected status
FairPlay's data study tested whether CashScore correlates with protected status in ways that could function as a proxy for discrimination. The assessment found no such correlation.
Underwriting outcomes match across consumer groups on a risk-adjusted basis
Protected class and non-protected class consumers evaluated using CashScore showed no statistically significant differences in underwriting outcomes once adjusted for risk. Protected class consumers were also equally likely as non-protected class consumers to have sufficient transaction data to generate a CashScore.