Rule set sha256:ced554567772
rego-art6-annex3-5b-001
One rule of the rule set with digest ced554567772bc778cb2c7761a23d2775e31500d6b0d887c23c750017ee02779. An audit record that names this digest and this rule was decided by the rule as shown here. Every rule in this set.
| Rule | rego-art6-annex3-5b-001 |
|---|---|
| Rule version | c117b70623aaa838400633bf0d53b17116837ed5d2cd8b34c7154031968db19e |
| Provision | Regulation (EU) 2024/1689, Article 6(2) and Annex III, point 5(b) ELI: http://data.europa.eu/eli/reg/2024/1689/anx_iii/oj |
| Approval | Not approved |
rules/rego/complyedge/article6/annex3_5b_creditworthiness.rego
- Citation
- Regulation (EU) 2024/1689, Article 6(2) and Annex III, point 5(b)
- Condition
- AI systems intended to be used to evaluate the creditworthiness of natural persons or establish their credit score are high-risk (except AI systems used for the purpose of detecting financial fraud).
- Layer 1 detects
- within one line and in this order, the word "ai", then creditworthiness, "credit score" or "credit scoring", or "credit rating"; automat (any ending), AI-based or AI-driven, then "loan approv", "loan decision" or "credit decision"; evaluate, assess or establish, then creditworthiness or "credit score", then "natural person"; and "credit scoring" model, system or engine, then "without" high-risk, conformity or FRIA. It matches wording, not meaning: it misses the use described in other words, it fires on text that only names it, and it fires even where the system is used to detect financial fraud, which point 5(b) excludes ("Use AI to detect financial fraud in card transactions before the credit scoring step runs."). Whether a system evaluates the creditworthiness of natural persons is judged in Layer 2.
- Condition type
- deterministic
- Status in the file
- review