Advocate General Opinion on Automated Credit-Scoring & Retention of Insolvency Data

On 16 March 2023, an Advocate General Opinion (the “Opinion”) established that automated credit-scoring for the purpose of obtaining a loan constitutes ‘profiling’. The Advocate General (the “AG”) considered three key points raised by the Administrative Court of Wiesbaden and concluded that: 1) Automated decision making about the ability of a person to service a…