According to the chapter, what are the three key areas that need clear policies for ethical governance of AI learning systems?

The three key areas that need clear policies are algorithmic bias, data protection, and model explainability. These correspond to the guiding principles of fairness, privacy, and transparency that must be built into AI learning systems from the start.

Page 48 says ethical governance must begin at the foundation to protect fairness, privacy, and transparency as basic guiding principles necessary to build trust in AI learning systems. It then explicitly identifies algorithmic bias, data protection, and model explainability as the three key areas that need clear policies.