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Help: Lending decision evidence

What to check

  • The outcome and reasons reproduce from the evidence.
  • No protected characteristic or proxy was among the inputs.
  • Every no or referral was reviewed by a credit officer (UK GDPR Articles 22A to 22D as amended, research/public-consortium/COMPETITORS-REGULATORS-REUSE.md).
  • Creditworthiness assessment is a listed high-risk use under the EU AI Act, with duties deferred to 2 December 2027 (research/finance/ASSURANCE-AND-REUSE.md); whether it applies here is OPEN.
  • UK consumer credit duties: research/finance/REGULATORS.md sections 2.12 and 6 record pre-contract information, the 14-day withdrawal right and the ombudsman route; CONC 5.2A and CONC 7 are NOT RE-VERIFIED and stay OPEN.

For agents: this help as Markdown.