Do Fair Models Reason Fairly? Counterfactual Explanation Consistency for Procedural Fairness in Credit Decisions
Machine learning algorithms in socially sensitive domains (e.g., credit decisions) often focus on equalizing predictive outcomes. However, satisfying these metrics does not guarantee that models use the same reasoning for different groups. We show that existing outcome-fair models can still apply fundamentally different reasoning to individuals, a ``hidden procedural bias'' missed by standard fairness metrics and algorithms. We propose Counterfactual Explanation Consistency (CEC), a framework th
Record details
Published: 12 May 2026
Source: arXiv
Category: Research
Topics: Bias & fairness
Retrieved: 14 July 2026
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How to cite this record
ethics.ai (12 May 2026), “Do Fair Models Reason Fairly? Counterfactual Explanation Consistency for Procedural Fairness in Credit Decisions,” evidence record 4436, https://ethics.ai/record/4436 (originally published by arXiv).
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