ANNIE ZHAO. Explainable Credit Underwriting on FICO HELOC: A Framework for Counterfactual Recourse under Profit, Fairness, and Stability Constraints. Journal of Artificial Intelligence Review, [S. l.], v. 7, n. 1, p. 90–107, 2026. Disponível em: https://learnedvertex.com/index.php/JAIR/article/view/331. Acesso em: 10 oct. 2026.