Upstart
What the automated decision is: Upstart's AI models decide approval and pricing of personal, auto and home-equity loans for its bank and credit-union lending partners, including on partner-branded Upstart sites.
WF-P-000165
- Made by
- Upstart Holdings, Inc. (operating subsidiary Upstart Network, Inc.)
- Products
- Upstart auto refinance · Upstart HELOC · Upstart personal loans
- In court
- 0 cases name it as a party
Where we have looked
Searched through CourtListener / RECAP, last read 2026-10-08:
- US federal district, appellate and bankruptcy dockets — 235 courts105 district, 14 appellate, 95 bankruptcy and 21 special federal courts
- published opinions, including state supreme and appellate courts — 384 courts, including 53 state supreme courts53 state supreme, 62 state appellate, 6 state trial and 28 state special courts, plus the federal courts above
County and municipal courts are not searched, and neither is anything outside the United States. A count of nought means we found nothing where we looked, not that nothing exists.
Incidents on the record naming Upstart
- Upstart Holdings sued for securities fraud over AI model claims · 2022 · Financial · businesswire.com
Public reports of harm that name Upstart, written from the article each cites. A report is an account of what happened, not a finding of fault.
Relationship map
Everything this page holds on Upstart, connected. Each point opens the record, the court docket or the source behind it.
Click any point to open it. Scroll to zoom, drag to move.
The same links as a list
- Platform: Upstart
- Vendor: Upstart Holdings, Inc. (operating subsidiary Upstart Network, Inc.)
- Products: Upstart auto refinance · Upstart HELOC · Upstart personal loans
- Incidents: Upstart Holdings sued for securities fraud over AI model claims
- Customers: 67 lenders
What we hold, by kind
Incidents1
Bias allegations, by product—
None found yet.
Allegations from incidents and court cases. An allegation is not a finding.
False positives and false negatives—
None found yet.
Reports describing a wrong flag or rejection (false positive) or a missed one (false negative), picked out by their wording; not yet classified by a person.
Regulatory actions—
None found yet in the regulators we search (FTC, CFPB, EEOC, NHTSA) or its filings.
Settlements—
None found yet in its filings or the cases we hold.
Audits—
No published audit found yet.
Bias audits the vendor says were done, and audit-based certifications.
Academic studies—
Not collected yet: studies of this platform are a source we are adding.
Verified deployments
67 lenders we can evidence on Upstart, from addresses they run on its domain and from Upstart’s own customer stories. Which ones, and since when, is a Professional feature.