{
  "$schema": "https://aigovernanceengineer.com/schemas/ai-system-register-entry.v1.json",
  "id": "credit-afford-03",
  "version": "3.2.0",
  "owner": "team-retail-credit-models",
  "scope": [
    "credit:affordability-score",
    "applications:read"
  ],
  "expiry": "2027-03-31",
  "name": "Consumer loan affordability model",
  "purpose": "Scores the affordability of consumer loan applications to support, not replace, a credit analyst's decision.",
  "system_type": "ml_model",
  "role": "provider_and_deployer",
  "risk_classification": {
    "eu_ai_act_category": "high_risk_annex_iii",
    "annex_iii_point": "5(b)",
    "internal_tier": "high",
    "rationale": "Evaluates the creditworthiness of natural persons; not a fraud-detection use.",
    "classification_record": "https://evidence.example.org/classification/credit-afford-03",
    "decided_at": "2026-05-12"
  },
  "lifecycle_stage": "in_validation",
  "use_case_record": "uc-2026-017",
  "components": [
    {
      "type": "model",
      "ref": "gbm-affordability",
      "version": "3.2.0"
    },
    {
      "type": "dataset",
      "ref": "loan-apps-2019-2025",
      "version": "2026-04-30"
    }
  ],
  "aibom": "https://evidence.example.org/aibom/credit-afford-03/3.2.0.cdx.json",
  "jurisdictions": [
    "ES",
    "PT"
  ],
  "personal_data": true,
  "affected_persons": [
    "consumer loan applicants"
  ],
  "human_oversight": "human_in_the_loop",
  "eu_database_registration": {
    "required": true
  },
  "evidence": [
    "https://evidence.example.org/fria/fria-2026-004",
    "https://evidence.example.org/test-reports/tr-credit-afford-03-3.2.0"
  ],
  "last_reviewed": "2026-09-15"
}