arXiv:2402. 01811v2 Announce Type: replace Abstract: Credit scoring has been catalogued by the European Commission and the Executive Office of the US President as a high-risk classification task, in light of the potential harms of making loan approval decisions based on models that would be biased against certain groups.
arXiv:2609.39025v1 Announce Type: cross Abstract: Fairness assessment in algorithmic decisions that affect individuals, such as credit scoring, often relies on parity measures calculated at the aggre...
arXiv:2606. 00656v1 Announce Type: cross Abstract: Ensuring fair and equitable treatment across diverse groups, particularly in multi-class classification tasks, poses a significant challenge due to the persistent biases inherent in machine learning models.
arXiv:2608.24582v1 Announce Type: cross Abstract: Credit risk models increasingly need to combine predictive accuracy with transparent explanations and auditable fairness constraints. Logistic regres...
The paper argues that traditional probabilistic fairness metrics can miss significant disparities in the actual consequences of decisions. By introducing a utility-based framework, the authors show that a process can satisfy ε-fairness yet still be maximally unfair when utilities are considered. They apply this framework to college admissions and credit‑risk assessment, demonstrating that equalizing probabilities alone may mask unequal utility outcomes across groups.
Credit risk models increasingly need to combine predictive accuracy with transparent explanations and auditable fairness constraints. Logistic regression remains attractive because its coefficients ar...
arXiv:2604. 04241v2 Announce Type: replace Abstract: Risk scoring systems are widely used in high-stakes domains to assist decision-making.
arXiv:2407. 14766v4 Announce Type: replace-cross Abstract: This paper presents a philosophical and experimental study of fairness interventions in AI classification, centered on the explainability and transparency of corrective methods, and on the opposition between two fairness criteria, namely Demographic Parity and Equalized Odds.
arXiv:2607. 05101v1 Announce Type: new Abstract: The application of machine learning-based predictive algorithms to Anti-Money Laundering (AML) has grown rapidly, driven by the vast volume of financial transaction data available to banks.
arXiv:2607. 19389v1 Announce Type: cross Abstract: As AI-driven Decision Makers (ADMs) influence our socioeconomic reality, their roles in both enhancing efficiency and amplifying the social biases have drawn attention.
arXiv:2603. 21393v2 Announce Type: replace Abstract: The widespread use of AI and ML models in sensitive areas raises significant concerns about fairness.
arXiv:2605. 03289v2 Announce Type: replace-cross Abstract: Detecting observations from a minority class under severe class imbalance is a central challenge in applications such as fraud detection, medical screening, and industrial quality control.
The paper introduces REMI, a framework that treats counterfactual fairness as a relational invariant discovery problem. By learning over paired examples, REMI identifies input regions where fairness is violated and generates interpretable rule-based models—fairness invariants—that can block or relabel unfair predictions without retraining the underlying model. Experiments on symbolic and neural network programs show REMI localizes fairness bugs in over 83% of cases and reduces discriminatory decisions in black-box models by up to 70%.