arXiv Machine Learning By S. Chalavadi, A. Pastor, T. Leitch

STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications

Read the original on arXiv Machine Learning →

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.

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arXiv AI
Jun 8

The Geography of Algorithmic Judgment: LLM Intermediaries, Place Identity, and Racial Steering in Housing Search

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.

By Hana Samad, Trung Lam, Christoph M\"ugge-Durum, Michael Akinwumi
arXiv AI
Aug 28

Fairness Invariants: A Relational Approach to Explaining and Mitigating Fairness Bugs

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%.

By Ranit Debnath Akash, Ashish Kumar, Gang Tan, Saeid Tizpaz-Niari