L3-M3 / lesson 1 of 2

Scope the assessment around affected people

A lender plans to use a creditworthiness recommendation system.

10–15 min · 0/4 steps complete

Start here / A workplace decision

Start with people and the real process

A lender plans to use a creditworthiness recommendation system.

The team begins with the supplier's security report.

Before you read / Think it through

In “Start with people and the real process”, what would you check or do first?

Pause and form your answer, then compare the reasoning. This reflection is not scored.

Compare the reasoning

First establish the assessment scope, timing and affected process.

The ideas below give you a method for this decision. Then work through the rest of this case and try the decisions yourself.

Part 1 of 4 Learn the ideas

Choose a topic0 of 5 read

Who must carry out a FRIA

Article 27 covers specified Annex III deployers and uses.

It includes public-law bodies and private providers of public services.

In the workplace

The obligation is not universal for every AI user. Check exact actor and use, including the critical-infrastructure exclusion in Article 27.

Remember this

Creditworthiness and life/health-insurance uses have specific coverage.

The workplace case

YOUR CASE / FUNDAMENTAL RIGHTS IMPACT ASSESSMENT

A private lender plans to use high-risk AI to evaluate natural persons' creditworthiness. The tool produces recommendations that loan officers usually follow. The team has a security assessment but no analysis of exclusion, discrimination or the ability of rejected applicants to challenge a decision.

Quick reference / five key ideas

Who must carry out a FRIA: Creditworthiness and life/health-insurance uses have specific coverage.
Scope and timing: Review whether an earlier assessment remains applicable.
Process and use: Explain the human and technical context.
Affected people and groups: Use evidence and avoid stereotypes.
Rights and harm pathways: Include cumulative and indirect effects where relevant.