findr: Transparent and Fair Credit Risk Decisions through Semi-Structured Regressions

arXiv:2608.24582 · stat.ML, cs.AI, cs.LG, q-fin.RM · Submitted 2026-08-25 · Read on arXiv

stat.ML, cs.AI, cs.LG, q-fin.RM

Submitted: 2026-08-25

Updated: 2026-08-25

License: http://arxiv.org/licenses/nonexclusive-distrib/1.0/

Terminology

• Interpretability — 41× in this paper · explained in 15 episodes
• Accuracy — 19× in this paper · explained in 1 episode
• AUC — 18× in this paper · explained in 2 episodes
• Wasserstein Distance — 12× in this paper · explained in 4 episodes
• Benchmark — 6× in this paper · explained in 2 episodes
• Calibration — 4× in this paper · explained in 7 episodes
• Optimal Transport — 3× in this paper · explained in 5 episodes
• Consistency — 2× in this paper · explained in 3 episodes
• Counterfactual Sign Error Rate — 2× in this paper
• Decision Disagreement Rate — 2× in this paper
• Trace — 2× in this paper · explained in 2 episodes
• AI governance initiatives — 1× in this paper · explained in 1 episode
• Accountability — 1× in this paper · explained in 2 episodes
• Additive Decomposition — 1× in this paper · explained in 1 episode
• Benchmarking — 1× in this paper · explained in 3 episodes
• Covariate Shift — 1× in this paper · explained in 2 episodes
• Distillation — 1× in this paper · explained in 2 episodes
• Distribution Shift — 1× in this paper · explained in 6 episodes
• Explainability — 1× in this paper · explained in 3 episodes
• Explained Variability Ratio — 1× in this paper
• Foundation Model — 1× in this paper · explained in 3 episodes
• Foundation Models — 1× in this paper · explained in 7 episodes
• Generalization — 1× in this paper · explained in 13 episodes
• Generalization Bounds — 1× in this paper · explained in 2 episodes
• Resource Constraints — 1× in this paper · explained in 3 episodes
• Robustness — 1× in this paper · explained in 5 episodes
• Transformer — 1× in this paper · explained in 2 episodes

Sources

• Foundation Models for Credit Risk Prediction: A Game Changer?
• Fair Mixup: Fairness via Interpolation
• Decision-centric fairness: Evaluation and optimization for resource allocation problems
• Distilling a Neural Network Into a Soft Decision Tree
• Fair Models in Credit: Intersectional Discrimination and the Amplification of Inequity
• Structural Neural Additive Models: Enhanced Interpretable Machine Learning
• Semi-structured multi-state delinquency model for mortgage default
• A Distributionally Robust Approach to Fair Classification

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