Algorithms, credit scoring, and the new proposals of the EU for an AI Act and on a Consumer Credit Directive

被引：1
|
作者：
Spindler, Gerald [1 ,2 ]
机构：
[1] Univ Gottingen, Fac Law, Gottingen, Germany
[2] Univ Gottingen, Fac Law, Pl Gottinger Sieben 6, D-37073 Gottingen, Germany
来源：
LAW AND FINANCIAL MARKETS REVIEW | 2023年
关键词：
credit scoring; artificial intelligence; AI Act; Consumer Credit Directive; ARTIFICIAL-INTELLIGENCE; FAIRNESS;
D O I：
10.1080/17521440.2023.2168940
中图分类号：
D9 [法律]; DF [法律];
学科分类号：
0301 ;
摘要：
Credit scoring is one of the main applications of Artificial Intelligence technology in the financial world. However, there are scarcely any regulations which deal with AI. The new proposal of an AI Act of the EU Commission may change this landscape in a significant way. The article deals with the impact of the proposed AI Act regarding credit scoring, considering also existing banking regulation and its overlaps with the proposed AI Act. Finally, the new proposal of a Consumer Credit Directive will be also dealt showing some frictions between the AI Act and the proposed Consumer Credit Directive.
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页码：239 / 261
页数：23
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