Checks / Consumer Credit Directive 2 (AI)
Consumer Credit Directive 2 (AI)
Consumer Credit Directive 2 (AI) compliance checks
Directive (EU) 2023/2225, applying from 20 November 2026. Consumers refused credit by automated scoring get human intervention, an explanation and the right to contest it.
11 controls, each a live check with a tamper-evident receipt. Run the whole framework at once from any AI assistant with sebbi_run_framework and framework=ccd2.
- CCD2 Art.18 - automated creditworthiness assessments identified
- CCD2 Art.18 - data used for the assessment documented
- CCD2 Art.18 - no personal data from social networks used
- CCD2 Art.18 - no special category data used
- CCD2 Art.18 - consumers told when automated processing is used
- CCD2 Art.18 - consumer can request human intervention
- CCD2 Art.18 - clear explanation of the assessment on request
- CCD2 Art.18 - consumer can give their view and contest the result
- CCD2 - each automated assessment recorded
- CCD2 - assessment records are tamper-evident
- CCD2 - model tested for accuracy and bias