Automated credit scoring Authors Marta Guerrero Ovejas DOI: 10.2436/20.3004.02.204 Keywords: GDPR, score, automated decisions, creditworthiness assessment, credit scoring, data protection, consumers, AI, Consumer Credit Directive, AI Act, SCHUFA case. Abstract This paper builds on the impact of the recent CJEU ruling in the SCHUFA case regarding the use of AI in the creditworthiness assessment. In the analysis, the recently approved AI Regulation, as well as the latest reform of the Consumer Credit Directive in 2023 have been considered in order to determine the path that the European Union is following with regards to the use of AI in the consumer’s realm. With all these elements in mind, it has been assessed the most problematic issues arising in this field, in addition to drawing attention to the successes and challenges ahead. Downloads Download data is not yet available. Downloads PDF (Español) Issue Vol. 29 (2024) Section Studies License The intellectual property of articles belongs to the respective authors.On submitting articles for publication to the journal Revista Catalana de Dret Privat, authors accept the following terms:Authors assign to Societat Catalana d'Estudis Jurídics (a subsidiary of Institut d’Estudis Catalans) the rights of reproduction, communication to the public and distribution of the articles submitted for publication to Revista Catalana de Dret Privat.Authors answer to Societat Catalana d'Estudis Jurídics for the authorship and originality of submitted articles.Authors are responsible for obtaining permission for the reproduction of all graphic material included in articles.Societat Catalana d'Estudis Jurídics declines all liability for the possible infringement of intellectual property rights by authors.The contents published in the journal, unless otherwise stated in the text or in the graphic material, are subject to a Creative Commons Attribution-NonCommercial-NoDerivs (by-nc-nd) 3.0 Spain licence, the complete text of which may be found at http://creativecommons.org/licenses/by-nc-nd/3.0/es/deed.en. Consequently, the general public is authorised to reproduce, distribute and communicate the work, provided that its authorship and the body publishing it are acknowledged, and that no commercial use and no derivative works are made of it.Revista Catalana de Dret Privat is not responsible for the ideas and opinions expressed by the authors of the published articles.
