DenmarkLov nr. 1322 af 20. november 2025, Credit Agreements Act Section 7 c(9) to (11), Human Intervention in Automated Creditworthiness Assessment
Lov nr. 1322 af 20. november 2025 om ændring af lov om kreditaftaler lov om markedsføring, lov om forbrugslånsvirksomheder og forskellige andre love (Gennemførelse af det reviderede forbrugerkreditdirektiv), § 1, nr. 15 (kreditaftalelovens § 7 c, stk. 9-11)
An AI sector rules rule binding public and private bodies.
As of .
What it requires
- This law is enacted but binds no one before , and does not apply to credit agreements concluded before then (Act No 1322, section 6).
- If you are a creditor and your creditworthiness assessment uses automatic processing of personal data, let the consumer request and obtain human intervention: give a clear and comprehensible explanation of the assessment, including the logic and risks of the automatic processing and its effect on the decision, let the consumer express a view, and review the assessment and the credit decision when the consumer asks (Credit Agreements Act, section 7 c(9)).
- Inform the consumer of those rights (section 7 c(10)).
- When you refuse a credit application, tell the consumer without delay and, where relevant, refer the consumer to easily accessible debt advice services; where the assessment rests on automatic data processing, also say so and explain the consumer's right to a human assessment and the procedure for contesting the decision (section 7 c(11)).
What this law does
Act No 1322 of implements parts of Directive (EU) 2023/2225 on consumer credit agreements. Where the creditworthiness assessment uses automatic processing of personal data, section 7 c(9) of the Credit Agreements Act, as redrafted by section 1, point 15 of the Act, gives the consumer the right to request and obtain human intervention from the creditor.
That right includes a clear and comprehensible explanation of the assessment, covering the logic and risks of the automatic processing and its significance and effect on the decision, the right to express a view to the creditor, and the right to request a review of the assessment and of the decision to grant credit. Section 7 c(10) requires that the consumer be informed of these rights.
Section 7 c(11) requires the creditor to inform the consumer without delay of a refusal of a credit application and, where relevant, to refer the consumer to easily accessible debt advice services, and in that case also to tell the consumer that the assessment rests on automatic data processing, of the right to a human assessment and of the procedure for contesting the decision.
The Act comes into force on and does not apply to credit agreements concluded before then, apart from the exceptions that section 6 lists.
When LexLint raises it
When your app profile says your app makes high-risk automated decisions or provides financial services.