arXiv:2504. 21259v2 Announce Type: replace-cross Abstract: Accurate imputation of race and ethnicity (R&E) is essential for fair lending compliance under ECOA, HMDA, and the Community Reinvestment Act, where up to 15% of mortgage applications carry missing race data and regulated institutions bear responsibility for identifying disparities on those records.
arXiv:2608. 08202v1 Announce Type: new Abstract: Data-centric curation pipelines frequently rely on model confidence scores to flag and filter noisy or mislabeled training instances.
arXiv:2608.29110v1 Announce Type: new Abstract: The United States has allocated approximately $65 billion through the Infrastructure Investment and Jobs Act for broadband expansion, yet evidence-base...
arXiv:2606. 16723v1 Announce Type: new Abstract: Large language model (LLM) agents increasingly take actions (screening applicants, recommending credit, triaging patients), yet fairness for LLMs is still measured by grading answers.
arXiv:2606. 06694v1 Announce Type: cross Abstract: Large language models (LLMs) are rapidly assuming an intermediary role in housing search through the integration of listing platforms within conversational interfaces, mediating access to information, search, and recommendations within urban settings.
arXiv:2609.27654v1 Announce Type: cross Abstract: Verified income is often unavailable in digital loan applications, forcing lenders to rely on reported income and potentially leading to over-lending...
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%.
The paper introduces FAPE, a four‑stage framework for evaluating the post‑processing fairness intervention ThresholdOptimizer across eight diverse domains, including criminal justice, finance, healthcare, and education. It reports that the intervention reduces disparity in most high‑disparity cases but can worsen fairness when baseline disparities are low, and that a single deployment‑time audit is unreliable without continuous monitoring and baseline‑disparity screening.
The paper introduces a causal mediation framework to separate direct discrimination from structural inequality in AI-driven credit decisions. Using Pearl’s natural direct and indirect effects, it presents an identification strategy under treatment‑induced confounding and proposes a doubly‑robust estimator with efficiency guarantees. Empirical analysis of 89,465 mortgage applications shows that about 77% of racial denial disparities stem from financial mediators, while the remaining 23% represents a conservative lower bound on direct discrimination.
arXiv:2607. 19526v1 Announce Type: new Abstract: "Stop Chasing the C-index when Evaluating Survival Analysis Models" (ICML 2026, Spotlight) argued normatively, on synthetic data, that evaluating survival models by discrimination alone, i.
arXiv:2607. 28934v1 Announce Type: cross Abstract: Large language models (LLMs) are increasingly involved in the distribution of scarce resources, raising concerns about biased allocations based on characteristics like race and gender.
arXiv:2606. 19416v1 Announce Type: new Abstract: Loan origination is the process by which a lender creates a new loan, from application and underwriting through approval and funding.
arXiv:2608. 07871v1 Announce Type: cross Abstract: Accurate, up-to-date income data at the sub-municipal scale is essential for social policy in middle-income countries, yet in Brazil it depends on a costly decennial census whose intercensal gap recently exceeded a decade.