Annie Zhao, “Explainable Credit Underwriting on FICO HELOC: A Framework for Counterfactual Recourse under Profit, Fairness, and Stability Constraints”, JAIR, vol. 7, no. 1, pp. 90–107, Jan. 2026, Accessed: Oct. 10, 2026. [Online]. Available: https://learnedvertex.com/index.php/JAIR/article/view/331