This analysis demonstrates the harm in algorithmic credit scoring, suggesting implications for AI regulation in finance.
Applies the Void Framework to algorithmic credit scoring. Demonstrates that credit scoring systems create a reflexive opacity arms race — consumers cannot see the algorithm, the algorithm responds to behavior, and the system captures attention in ways that increase harm. EU AI Act Annex III analysis. Relevant to high-risk AI classification under the EU AI Act.
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Anthony W. Eckert (2026) studied this question.
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