Abstract
Incorporating AI-based decision-making into consumer credit assessment under the framework of Consumer Law enhances regulatory compliance. This paper outlines a Multi-Agent Systems (MAS) to implementing Art. 18(6)(8)(9) of the EU 2023/2225 Directive, dated 18 October. In pursuit of this goal, we propose a legal framework emphasizing the necessity of hybrid oversight in AI-based consumer scoring. This study aims to improve transparency and fairness through the implementation of an Explainable Agent-based layer. Overall, this research introduces the concept of Machine-Centred Anthropocentrism. It acknowledges that, after the training, validation and testing stages, credit analysts no longer have complete psychological control over the data-driven entities programmers have given birth.
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Rebelo, D.M., de Andrade, F.P., Novais, P. (2025). Anthropocentric AI for EU Consumer Lending. In: Santos, M.F., Machado, J., Novais, P., Cortez, P., Moreira, P.M. (eds) Progress in Artificial Intelligence. EPIA 2024. Lecture Notes in Computer Science(), vol 14967. Springer, Cham. https://doi.org/10.1007/978-3-031-73497-7_25
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