[Fox News] Researchers warn ‘humans cannot reliably detect’ audio deepfakes even when trained

AI-generated audio that mimics humans can be so convincing that people can’t tell the difference a quarter of the time – even when they’re trained to identify faked voices, a new study claims.

Researchers at University College London investigated how accurately humans can differentiate between AI-generated audio and organic audio, according to a report in the science and medical journal Plos One. The study comes amid the rise of deepfakes, videos and pictures that can be edited to appear as if they are actual images of other people.

“Previous literature has highlighted deepfakes as one of the biggest security threats arising from progress in artificial intelligence due to their potential for misuse,” researchers wrote in their paper published this month. 

“However, studies investigating human detection capabilities are limited,” the researchers continued, explaining why they launched the endeavor to find just how realistic speech deepfakes are to human listeners.

WHAT IS AI?

The research team used a text-to-speech algorithm on two data sets that generated 50 deepfake speech samples. The researchers used both English and Mandarin speech “t​​o understand if listeners used language-specific attributes to detect deepfakes.”

The speech samples were then tested on 529 people who were asked if they believed a sample was an actual human speaking or if the speech was computer-generated. 

WHAT IS CHATGPT?

Participants were only able to accurately identify deepfake speech 73% of the time, while results only improved “slightly” after participants were trained on how to recognize computer-generated audio, according to the study.

“Our findings confirm that humans are unable to reliably detect deepfake speech, whether or not they have received training to help them spot artificial content,” Kimberly Mai, an author of the study, said in a statement. 

“It’s also worth noting that the samples that we used in this study were created with algorithms that are relatively old, which raises the question whether humans would be less able to detect deepfake speech created using the most sophisticated technology available now and in the future.”

The study is considered to be the first of its kind to investigate how humans detect deepfake audio in a language other than English.

WHAT IS VOICE CLONING? UNDERSTAND HOW IT WORKS, WHAT IT CAN BE USED FOR AND MORE

English and Mandarin-speaking participants showed roughly the same rate of detection, with English-speakers citing they relied on listening to breathing to help determine if the audio was real or computer-generated. Mandarin-speakers said they paid attention to a speaker’s cadence and word pacing to help correctly identify audio.

“Although there are some differences in the features that English and Mandarin speakers use to detect deepfakes, the two groups share many similarities. Therefore, the threat potential of speech deepfakes is consistent despite the language involved,” the researchers wrote.

The study comes as a “warning” that “humans cannot reliably detect speech deepfakes,” with researchers highlighting that “adversaries are already using speech deepfakes to commit fraud,” and the tech will only become more convincing with the recent advancements in AI. 

“With generative artificial intelligence technology getting more sophisticated and many of these tools openly available, we’re on the verge of seeing numerous benefits as well as risks. It would be prudent for governments and organizations to develop strategies to deal with abuse of these tools, certainly, but we should also recognize the positive possibilities that are on the horizon,” study author and University of London computer science professor Lewis D. Griffin said in a statement published by the university. 

AI ‘VOICE CLONE’ SCAMS INCREASINGLY HITTING ELDERLY AMERICANS, SENATORS WARN

Audio deepfakes have already been used repeatedly across the U.S. and Europe to carry out crimes

The study pointed to a scam in 2019, for example, that left a U.K.-based energy firm roughly $243,000 in the red after a fraudster hopped on the phone with the firm’s CEO and pretended to be the boss of the organization’s Germany-based parent company.

The scammer was able to use AI technology to capture the boss’ slight German accent and “melody” of the man’s voice while demanding the CEO immediately transfer money to a bank account, the Wall Street Journal reported at the time.

AI VOICE-CLONING SCAMS ARE ON THE RISE, HERE’S HOW YOU CAN PROTECT YOURSELF

Stateside, victims are sounding the alarm on phone scams that often target elderly Americans. The Federal Trade Commission warned last month that scammers are increasingly relying on voice cloning technology to convince unsuspecting victims to fork over money. The criminals can take a soundbite or video of a person that’s posted online, clone the voice and call the person’s loved ones while pretending to be in a dire situation and in the need of fast money.

Many victims later tell police that the cloned voice sounded so similar to their loved one that they didn’t immediately suspect it was a scam.

Mai told Fox News Digital that the research shows that training people to spot AI-generated speech will unlikely “improve detection capabilities, so we should focus on other approaches,” pointing to a handful of other avenues to potentially mitigate risks associated with the tech. 

“Crowdsourcing and aggregating responses as a fact-checking measure could be helpful for now. We also demonstrate even though humans are not reliable individually, detection performance increases when you aggregate responses (collect lots of decisions together and make a majority decision),” Mai explained. 

“In addition, efforts should focus on improving automated detectors by making them more robust to differences in test audio. In addition, organizations should prioritize implementing other strategies like regulations and policies.”

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[Fox Business] Think tanks sue Biden for $39 billion student loan relief plan

A group of think tanks are pushing a federal court to block the Biden administration’s plans to cancel $39 billion in student loan debt for 800,000 borrowers.

The New Civil Liberties Alliance filed a lawsuit in Michigan on behalf of the Mackinac Center for Public Policy and the Cato Institute. The groups argued that the Biden administration was overstepping its authority in moving forward with student loan forgiveness initiatives.

Previously, the Supreme Court shut down President Joe Biden’s wide-reaching student loan forgiveness plan. That move would have forgiven $10,000 in student loan debt for lower-to-middle income borrowers and up to $20,000 for those who also received Pell Grants. The law could have wiped out $441 billion in outstanding student debt, according to an estimate by the Federal Reserve Bank of New York. 

In response to the plan’s shutdown, the Biden administration announced a series of initiatives to cancel student loan debt for millions. The president also declared updates to the existing public student loan forgiveness (PSLF) program. That program was designed to eventually forgive debt for Americans who make timely student loan payments and are employed in public service. 

The department’s “one-time adjustment” would count certain periods of past nonpayment as if borrowers had been making payments during that time. As a result, it pushed 804,000 borrowers across the mark of 20 or 25 years needed for cancelation, and millions of others closer to that point.

But the two think tanks at the center of the new lawsuit said this update to the PSLF program illegally expedites progress toward relief, thereby hurting nonprofit employers.

“This unlawful reduction in the PSLF service requirement injures public service employers that rely on PSLF to recruit and retain college-educated employees,” plaintiffs said in the lawsuit. 

But the Education Department said the change was designed to amend existing problems in the program. 

“For far too long, borrowers fell through the cracks of a broken system that failed to keep accurate track of their progress towards forgiveness,” Secretary of Education Miguel Cardona said in a statement. “By fixing past administrative failures, we are ensuring everyone gets the forgiveness they deserve, just as we have done for public servants, students who were cheated by their colleges and borrowers with permanent disabilities, including veterans. This administration will not stop fighting to level the playing field in higher education.”

If you’re having trouble making payments on your private student loans, you won’t benefit from federal relief. But you could consider refinancing your loans for a lower interest rate to lower your monthly payments. Visit Credible to get your personalized rate in minutes without affecting your credit score. 

BIDEN ASKS STUDENT LOAN COMPANIES TO PREPARE FOR END TO PAYMENT PAUSE 

As part of the Department of Education’s “one-time adjustment” to the PSLF program, the initiative would now benefit borrowers during any of the following periods. 

“Inaccurate payment counts have resulted in borrowers losing hard-earned progress toward loan forgiveness,” the Department of Education stated. “This action also addresses concerns about practices by loan servicers that put borrowers into forbearance in violation of Department rules. The Department previously began discharging loans for borrowers who reached forgiveness for Public Service Loan Forgiveness (PSLF) through these changes.”

If you hold private student loans, you won’t be able to enroll in a federal income-driven repayment plan, but you could refinance your loans into a lower interest rate. Visit Credible to compare options from multiple lenders at once. 

BIDEN ADMINISTRATION APPROVES $42B IN STUDENT LOAN FORGIVENESS UNDER UPDATED PSLF PROGRAM 

In response to the Supreme Court’s decision, the Biden administration also launched a new income-driven repayment (IDR) plan. The Saving on a Valuable Education (SAVE) plan could reduce borrowers’ monthly payments to zero, lower monthly payments in half or save those that do make payments at least $1,000 a year, the White House said. Borrowers can enroll in SAVE this summer before the repayment pause ends. 

In addition, the Education Department rolled out its 12-month “on-ramp” program set to run from Oct. 1 to Sep. 30, 2024. 

“Financially vulnerable borrowers who miss monthly payments during this period are not considered delinquent, reported to credit bureaus, placed in default or referred to debt collection agencies,” the White House said in a statement.

Still, interest on student loans would accrue. 

The Biden administration is still attempting to provide widespread student loan forgiveness. In fact, it’s currently trying to pass its initial student loan forgiveness plan under the Higher Education Act. HEA contains a provision that allows the Secretary of Education to compromise, waive or release federal student loans.

If you have private student loans, you could consider lowering your monthly payments by refinancing your loans to a lower rate. Visit Credible to speak with a student loan expert and get your questions answered.

SUPREME COURT STRIKES DOWN BIDEN’S STUDENT LOAN FORGIVENESS PLAN – WHAT’S NEXT?

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