ANNIE ZHAO. Explainable Credit Underwriting on FICO HELOC: A Framework for Counterfactual Recourse under Profit, Fairness, and Stability Constraints. Artificial Intelligence and Machine Learning Review , [S. l.], v. 7, n. 1, p. 90–107, 2026. DOI: 10.69987/AIMLR.2026.70107. Disponível em: https://scipublication.com/index.php/AIMLR/article/view/331.. Acesso em: 20 apr. 2026.