# 4. Regulation and constraints › 4.7 Risks of behavioural an… (1)

Checks 1 to 4 of 7, each with its evidence

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- **Verify 1: Fairness: proxy discrimination. Response sp…**: Verify: Fairness: proxy discrimination. Response speed, channel, language or…
- **Verify 2: Lender quality leaks into the customer's sc…**: Verify: Lender quality leaks into the customer's score. | Letter wording alon…
- **Verify 3: Special category data (health, which drives…**: Verify: Special category data (health, which drives vulnerability) | Art 22B…
- **Verify 4: Consent fatigue and coercion | Open Banking…**: Verify: Consent fatigue and coercion | Open Banking relies on consumer permis…
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