CF-LoRA: Decoupled Factor Aggregation and Adaptation-Aware Client Clustering for Federated LoRA Fine-Tuning
Federated LoRA fine-tuning enables parameter-efficient adaptation of pre-trained models without sharing private data, but suffers from two fundamental mismatches under heterogeneous client data: a structural aggregation mismatch caused by independently averaging LoRA factors, and a statistical collaboration mismatch ca...