What type of study is this?

This is a Literature Review study.

October 27, 2025

The Right to Explanation of a Credit Score: A Holistic Approach under the GDPR, AI Act, and Directive (EU) 2023/2225 on Credit Agreements for Consumers

Key Points

The analysis provides clarity on the right to explanation regarding credit scores in EU law, showing the need for a holistic legal approach.
Exploring credit-related decision explanations reveals significant obligations under the GDPR and AI Act for consumers.
This article compares three legal frameworks, namely GDPR, AI Act, and Consumer Credit Directive, to delineate the right to explanation.
Understanding these obligations supports consumer rights in the increasingly automated credit scoring landscape.

Abstract

The right to an explanation remains one of the most contentiously discussed topics within the European Union (EU) data protection law. This article explores this emerging right in the specific context of credit scoring, where multiple legal frameworks intersect and a holistic approach is therefore required. It outlines the relevant legal landscape before analysing and comparing the obligations to explain credit-related decisions under three EU legal frameworks: the General Data Protection Regulation (GDPR), the Artificial Intelligence Act (AI Act), and the revised Consumer Credit Directive (CCD). By delineating the scope and substantive requirements of each framework, it aims to clarify the contours of a right to an explanation regarding credit score.

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Cite This Study

Žiga Škorjanc (Fri,) studied this question.

synapsesocial.com/papers/68ff87f1c8c50a61f2bdd71f https://doi.org/https://doi.org/10.54648/gplr2025022

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