{"paper":{"title":"Balancing Profit and Fairness in Risk-Based Pricing Markets","license":"http://creativecommons.org/licenses/by/4.0/","headline":"","cross_cats":["cs.LG","econ.GN","q-fin.EC"],"primary_cat":"cs.AI","authors_text":"Afaf Ta\\\"ik, Golnoosh Farnadi, Hadi Nekoei, Janarthanan Rajendran, Jesse Thibodeau","submitted_at":"2025-05-30T18:24:08Z","abstract_excerpt":"Dynamic, risk-based pricing can systematically exclude vulnerable consumer groups from essential resources such as health insurance and consumer credit. We show that a regulator can realign private incentives with social objectives through a learned, interpretable tax schedule. First, we provide a formal proposition that bounding each firm's \\emph{local} demographic gap implicitly bounds the \\emph{global} opt-out disparity, motivating firm-level penalties. Building on this insight we introduce \\texttt{MarketSim} -- an open-source, scalable simulator of heterogeneous consumers and profit-maximi"},"claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"2506.00140","kind":"arxiv","version":2},"verdict":{"id":null,"model_set":{},"created_at":null,"strongest_claim":"","one_line_summary":"","pipeline_version":null,"weakest_assumption":"","pith_extraction_headline":""},"integrity":{"clean":true,"summary":{"advisory":0,"critical":0,"by_detector":{},"informational":0},"endpoint":"/pith/2506.00140/integrity.json","findings":[],"available":true,"detectors_run":[],"snapshot_sha256":"c28c3603d3b5d939e8dc4c7e95fa8dfce3d595e45f758748cecf8e644a296938"},"references":{"count":0,"sample":[],"resolved_work":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","internal_anchors":0},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"author_claims":{"count":0,"strong_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"builder_version":"pith-number-builder-2026-05-17-v1"}