Feb 16, 2022 | Enabling Transactions
In our policy recommendations on the revised Consumer Credit Directive, we provide an overview of the functioning of creditworthiness assessments (CWAs) and credit scores in consumer lending decisions, an analysis of the role credit databases play, and targeted policy...
Jan 31, 2022 | Digital Transformation
In our policy recommendations on the EU Act on Artificial Intelligence we provide an overview of the functioning of creditworthiness assessments (CWAs) and credit scores in relation to lending decisions (and other service provisions) and an analysis of the role that...
Aug 4, 2021 | Digital Transformation
In our feedback document, ACCIS acknowledges the Commission’s efforts to address both the benefits and challenges of AI. We believe, however, that more work is needed to strike the right balance between promoting innovation and protecting European citizens and their...
Feb 11, 2021 | Managing Data
In this letter to the European Data Protection Board, ACCIS recalls that – whilst the draft guidelines do not exclude the application of restrictions for the benefit of private entities and for private interests – the examples provided in the draft guidelines do not...
Dec 23, 2020 | Managing Data
In our white paper “Complementarity of public and private credit reporting in Europe to promote responsible lending”, we explain that different European countries make credit data available in different ways. Whilst some rely entirely on private credit bureaus (PCBs),...