CoLA: Cross-Modal Low-rank Adaptation for Multimodal Downstream Tasks

Prompt learning has become a dominant paradigm for adapting vision-language models (VLMs) such as CLIP to downstream tasks without modifying pretrained weights. While extending prompts to both vision and text encoders across multiple transformer layers significantly boosts performance, it dramatically increases the number of trainable parameters, with state-of-the-art methods requiring millions of parameters and abandoning the parameter efficiency that makes prompt tuning attractive. In this work, we propose MMLoP (Multi-Modal Low-Rank Prompting), a framework that achieves deep multi-modal prompting with only 11.5K trainable parameters, comparable to early text-only methods like CoOp. MMLoP parameterizes vision and text prompts at each transformer layer through a low-rank factorization that constrains prompts to a compact subspace, providing parameter efficiency while motivating the need for our complementary regularization components. To further close the accuracy gap with state-of-the-art methods, we introduce three complementary components: a self-regulating consistency loss that anchors prompted representations to frozen zero-shot CLIP features at both the feature and logit levels, a uniform drift correction that removes the global embedding shift induced by prompt tuning to preserve class-discriminative structure, and a shared up-projection that couples vision and text prompts through a common low-rank factor to enforce cross-modal alignment. Extensive experiments across three benchmarks and 11 diverse datasets demonstrate that MMLoP achieves a highly favorable accuracy-efficiency tradeoff, outperforming the majority of existing methods including those with orders of magnitude more parameters, while achieving a harmonic mean of 79.70% on base-to-novel generalization. Code is available at https://github.com/sajjad-ucsb/MMLoP.

Parameter-Efficient Fine-Tuning (PEFT) is essential for adapting Large Language Models (LLMs) to multi-task scenarios. A prevailing trend in this field involves complex LoRA variants with multiple adapters or heads, which rely on the premise that architectural isolation of task-specific knowledge is necessary. However, this design often introduces dynamic routing, preventing weight merging and causing significant inference latency. In this work, we present a direct challenge to this paradigm. We first reveal a paradox where a simplified, router-free multi-head model with high inter-head redundancy outperforms complex, diversity-driven baselines. Furthermore, we demonstrate that a unified, single-adapter LoRA with increased rank achieves highly competitive performance, questioning the necessity of multi-component structures. Based on these findings, we propose Align-LoRA, a unified and efficient framework that shifts the focus from architectural isolation to representation alignment. Align-LoRA incorporates an explicit alignment loss to encourage the learning of task-shared representations within a shared latent space. Crucially, our method maintains the standard LoRA architecture, ensuring zero inference latency via weight merging. Theoretical analysis and extensive experiments confirm that Align-LoRA significantly surpasses prevailing approaches, establishing a simpler, more effective, and production-friendly paradigm for multi-task PEFT. The code is available at https://github.com/jinda-liu/Align-LoRA.

Adapting large vision-language models (VLMs) such as CLIP to downstream tasks remains challenging, as full fine-tuning is computationally prohibitive and prone to overfitting in low-data regimes. Parameter-efficient fine-tuning (PEFT) alleviates these issues with lightweight prompt- or adapter-based modules, and cross-modal coupling has proven especially effective by strengthening interactions between vision and language. However, existing coupling mechanisms predominantly rely on external auxiliary modules, leading to indirect, coarse-grained interactions that are structurally decoupled from the original VLM and thus limit representational expressiveness. In this paper, we propose Multi-Modal Interactive Agent Layer (MAIL), a PEFT paradigm that embeds cross-modal coupling directly into the intrinsic computation modules of VLMs. MAIL freezes the backbone and inserts lightweight agent layers after core modules, such as LayerNorm, to approximate the parameter updates induced by full fine-tuning. To couple visual and textual streams at this level, we introduce a bottleneck-based text-to-image bridge that jointly optimizes paired agent layers across modalities, coordinating the adaptation of corresponding computation modules. We further present MAIL++, which enables bidirectional cross-modal exchange through a meta agent layer, a meta-text bridge, and a meta-image bridge. At inference time, all agent layers are re-parameterized into the frozen backbone, preserving the original computational efficiency. Extensive experiments on few-shot image classification and few-shot universal cross-domain retrieval demonstrate that MAIL and MAIL++ consistently outperform state-of-the-art PEFT methods.