Recital 56

(56) The Commission proposal for a Regulation laying down harmonised rules on artificial intelligence (Artificial Intelligence Act) establishes that AI systems used to evaluate the credit score or creditworthiness of natural persons should be classified as high-risk AI systems, since they determine those persons’ access to financial resources or essential services such as housing, electricity, and telecommunication services. In view of those high stakes, whenever the creditworthiness assessment involves automated processing, the consumer should have the right to obtain human intervention on the part of the creditor. Without prejudice to Regulation (EU) 2016/679, the consumer should have the right to obtain a meaningful, comprehensible explanation of the assessment made and of the functioning of the automated processing used, including the main variables, the logic and risks involved, as well as the right to express the consumer’s point of view and to request a review of the assessment of the creditworthiness and a review of the decision on whether to grant credit. The consumer should have the right to be informed about those rights after having duly received information on the procedure to follow. The possibility to request a review of the initial assessment and of the decision should not necessarily lead to the granting of credit to the consumer.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.