{
  "notice": "Illustrative mapping from the AI Governance Engineer Body of Knowledge v0.5.0 (not a claim of conformity)",
  "version": "0.5.0",
  "license": "CC BY 4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "schemaVersion": 2,
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  "self": "https://aigovernanceengineer.com/api/v1/obligations/aige-obl-ccd2-art18-8.json",
  "source": "https://aigovernanceengineer.com/obligations/aige-obl-ccd2-art18-8",
  "citation": {
    "title": "AI Governance Engineering: The Thesis & Body of Knowledge",
    "authors": [
      "Jorge García Aibar"
    ],
    "parentDoi": "https://doi.org/10.5281/zenodo.22956197",
    "conceptDoi": "https://doi.org/10.5281/zenodo.22857084"
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  "obligation": {
    "id": "AIGE-OBL-CCD2-ART18-8",
    "url": "https://aigovernanceengineer.com/obligations/aige-obl-ccd2-art18-8",
    "json": "https://aigovernanceengineer.com/api/v1/obligations/aige-obl-ccd2-art18-8.json",
    "framework": "Consumer Credit Directive",
    "frameworkId": "eu-ccd2",
    "clause": "Art. 18(8)",
    "obligation": "Consumer Credit Directive Art. 18(8) human intervention in automated creditworthiness assessment",
    "requirement": "Where the creditworthiness assessment involves automated processing, the consumer may request human intervention, a clear explanation of the assessment and its logic, and a review of the decision",
    "artefact": "Explanation artefact per model version; review path and log",
    "layers": [
      3,
      4,
      5
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    "dutyHolder": null,
    "scope": "Creditors",
    "authority": "National competent authorities",
    "appliesFrom": "2026-11-20",
    "appliesStatus": "applies-later",
    "appliesNote": "Member States apply their measures from 2026-11-20 (Art. 48)",
    "milestones": [],
    "systemClass": [],
    "patterns": [],
    "crosswalkTopics": [],
    "reviewed": "2026-09-24",
    "chapter": "https://aigovernanceengineer.com/bok/regulatory-map#liability-copyright-consumer-and-sector-law"
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}