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Consumer Credit Directive Art. 18(8): human intervention in automated creditworthiness assessment

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

By Reviewed

From clause to evidenceThe chain from CCD2 Art. 18(8) to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.ClauseCCD2Art. 18Duty holderCreditorsApplies from2026-11-20Applies laterArtefactExplanationartefact per…LayersLayer 03Layer 04Layer 05Evidence recordEvidence recordv1Same topic elsewhere: no crosswalk topic files this clause yetAs of 2026-09-24 · illustrative, not a claim of conformity From clause to evidenceThe chain from CCD2 Art. 18(8) to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.ClauseCCD2 · Art. 18Duty holderCreditorsApplies from2026-11-20 · Applies laterArtefactExplanation artefact per model…LayersLayer 03Layer 04Layer 05Evidence recordEvidence record v1Same topic elsewhere: no crosswalk topicfiles this clause yetAs of 2026-09-24illustrative, not a claim of conformity
From clause to evidence Build the artefact, then file every output it produces as a record that names AIGE-OBL-CCD2-ART18-8. Drawn from chapter 08.
Text alternative
  • Clause: CCD2, Art. 18.
  • Duty holder: Creditors.
  • Applies from: 2026-11-20, Applies later.
  • Artefact: Explanation artefact per model….
  • Layers: Layer 03, Layer 04, Layer 05.
  • Evidence record: Evidence record v1.
  • Record schema: Evidence record.
  • No crosswalk topic files this clause yet.
Id
AIGE-OBL-CCD2-ART18-8
Instrument
Consumer Credit Directive (EU) 2023/2225 law
Clause
Art. 18(8)
In scope
Creditors
Authority
National competent authorities
Applies from
Applies later · Member States apply their measures from 2026-11-20 (Art. 48)

The artefact that evidences it

Explanation artefact per model version; review path and log.

Patterns that build it

No pattern in the catalogue names this clause on its "Maps to" line yet; the artefact above is the engineering answer.

Source

Chapter 08, section Liability, copyright, consumer and sector law, checked against its sources on the review date above.

Machine-readable

Cite this obligation

García Aibar, J. (2026). Consumer Credit Directive Art. 18(8): human intervention in automated creditworthiness assessment (AIGE-OBL-CCD2-ART18-8). In AI Governance Engineering: The Thesis & Body of Knowledge (v0.5.0). https://doi.org/10.5281/zenodo.22956197. https://aigovernanceengineer.com/obligations/aige-obl-ccd2-art18-8. CC BY 4.0

BibTeX

@misc{aige2026obligation,
  author       = {Jorge García Aibar},
  title        = {{Consumer Credit Directive Art. 18(8): human intervention in automated creditworthiness assessment (AIGE-OBL-CCD2-ART18-8)}},
  howpublished = {In AI Governance Engineering: The Thesis \& Body of Knowledge},
  year         = {2026},
  version      = {0.5.0},
  doi          = {10.5281/zenodo.22956197},
  url          = {https://aigovernanceengineer.com/obligations/aige-obl-ccd2-art18-8},
  note         = {Version 0.5.0}
}