1b6fda1a987fdbc17693b472470b46b0  V._GUILLEM_IZQUIERDO_Los_derechos_del_consumidor.pdf
3a4e78d54016ff695eb3938a48e94c0c8d3b8f75  V._GUILLEM_IZQUIERDO_Los_derechos_del_consumidor.pdf
0be1e7622c6392aff646750a3cf3d0b2afa9df9c02edd1f8af1f318b2a32be92  V._GUILLEM_IZQUIERDO_Los_derechos_del_consumidor.pdf

Title:           Los derechos del consumidor en los procesos de evaluación de solvencia mediante el tratamiento automatizado de datos contenidos en la Directiva (UE) 2023/2225
Subject:         El pasado 30 de octubre de 2023 la Unión Europea adoptó una nueva Directiva sobre crédito al consumo (DCC). Una de las principales novedades de la nueva directiva es la evaluación de la solvencia del consumidor mediante el tratamiento automatizado de datos con inteligencia artificial. La DCC garantiza al consumidor el derecho a solicitar la intervención humana en el proceso de evaluación de solvencia, que se materializa en tres posibles garantías: el derecho a obtener una explicación clara y comprensibles, el derecho a expresar su punto de vista y el derecho a solicitar una revisión de la evaluación de la solvencia y del resultado. A pesar de las bondades de la DCC en esta materia, la eficacia de tales garantías es discutible, pues pueden tener un efecto limitado para los consumidores.
Keywords:        Evaluación de la solvencia; credit scoring; derecho a una explicación; expresión del punto de vista; derecho a la revisión; tratamiento automatizado de datos.
Author:          Guillem Izquierdo Grau
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      Title: 1. INTRODUCCIÓN
     Item: 
      Title: 2. LA OBLIGACIÓN DE EVALUAR LA SOLVENCIA DEL CONSUMIDOR Y EL USO DE SISTEMAS DE INTELIGENCIA ARTIFICIAL
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        Title: 2.1. Principales amenazas que conlleva el uso de la inteligencia artificial en los procesos de evaluación de solvencia
        Children: 
         Item: 
          Title: 2.1.1. Opacidad del algoritmo y evaluación de la solvencia
         Item: 
          Title: 2.1.2. Sesgo del algoritmo y resultados discriminatorios
         Item: 
          Title: 2.1.3. Intromisión en la privacidad mediante el uso de datos no tradicionales
         Item: 
          Title: 2.1.4. Resultados erróneos e incorrectos
       Item: 
        Title: 2.2. Las garantías por el tratamiento automatizado de datos en la evaluación de la solvencia
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         Item: 
          Title: 2.2.1. Análisis del art. 18.8 CC: el derecho a la intervención humana en el proceso de evaluación de la solvencia
          Children: 
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            Title: 2.2.1.1. El derecho a obtener una explicación clara y comprensible de la evaluación de la solvencia (right to explanation)
           Item: 
            Title: 2.2.1.2. El derecho a expresar el punto de vista propio del consumidor
           Item: 
            Title: 2.2.1.3. El derecho a solicitar una revisión de la evaluación de solvencia y la decisión sobre la concesión del crédito
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      Title: 3. CONCLUSIONES
     Item: 
      Title: 4. BIBLIOGRAFÍA
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