L2-M5 / lesson 2 of 2
The lender proposes automatic rejection below a threshold.
Start here / A workplace decision
The lender proposes automatic rejection below a threshold.
Staff say a human can intervene if a customer complains.
Before you read / Think it through
Pause and form your answer, then compare the reasoning. This reflection is not scored.
Examine the actual decision process and applicable automated-decision safeguards.
The ideas below give you a method for this decision. Then work through the rest of this case and try the decisions yourself.
Explain relevant processing in clear language.
Enable applicable access, correction and objection rights.
Meaningful information need not be raw source code. It should help the person understand and exercise applicable rights.
For covered automated decisions, address logic and consequences as required.
A lender wants to combine applicants' account histories with social-media data to generate a credit score and automatically reject applications below a threshold. The supplier says the AI Act classification covers privacy. Staff propose collecting ethnicity data to test fairness without further review.