Protecting Consumers in Consumer Credit Contracts in the Financial Crisis
AI in Credit Scoring Webinar
15. September 2025
The use of artificial intelligence in credit scoring is becoming increasingly widespread, raising significant legal, ethical, and societal concerns. At the same time, this field is now governed by a rapidly expanding body of regulation at the EU level. The new Consumer Credit Directive (EU) 2023/2225, the recently adopted AI Act, and the General Data Protection Regulation (GDPR) all impose strict and interrelated obligations not only on the use of AI systems in credit assessment, but also on their development and design.
This webinar will examine how AI-driven credit scoring systems must be developed and deployed to comply with EU law. It will explore which categories of personal data may be lawfully processed for creditworthiness assessments, how providers of AI credit scores can implement the mandatory obligations applicable to high-risk AI systems, and how banks and other users of these systems can carry out the required fundamental rights impact assessments. In addition, the webinar will address the rights of individuals who are negatively affected by credit scores and automated decisions, including their rights to explanation, contestation, and meaningful human review.
The event will bring together experts from academia, the European banking authority, and consumer organizations. Their insights will help clarify how the new legal requirements can be translated into practice and how institutions can navigate this evolving regulatory landscape responsibly and transparently.
This webinar is particularly relevant for professionals in financial services, legal compliance, data protection, and consumer rights, as well as anyone interested in the legal implications of AI-based credit assessment systems within the EU.
Speakers:
Prof. Dr. Katja Langenbucher, Goethe University of Frankfurt
Katja Langenbucher is a law professor at Goethe-University, affiliated professor at SciencesPo, Paris, and visiting faculty at Fordham Law School, NYC. She has held visiting positions at Sorbonne; WU Vienna; LSE; Columbia, Fordham and PennLaw School and will join NYU Law Global Faculty in 2026. She holds several supervisory board positions
Anna Martin, BEUC
Anna Martin is Head of Financial Services at BEUC, the European Consumer Organisation. In her role she oversees BEUC’s team working on retail financial services including credits, payments, investments, insurance and digital finance. BEUC represents 45 national consumer associations in 31 European countries, acting as a strong consumer voice in Brussels. Anna holds a Master in European Affairs from the College of Europe, Sciences Po Lille and the University of Münster.
Johannes Müller, Verbraucherzentrale Bundesverband
Johannes Müller is a Policy Officer in the Financial Markets team at the Verbraucherzentrale Bundesverband (vzbv). The vzbv is the umbrella organization of consumer associations in Germany, advocating for consumer rights and fair market practices at the national and EU level. In his work he focuses on consumer credit and related scoring practices, aiming to strengthen consumer protection in financial services.
Alain Otaegui, European Banking Authority
Alain Otaegui is a policy expert at the EBA, where he works on a range of files related to financial innovation, with a focus on the regulatory framework applying to the use of AI in the banking sector. Alain is currently coordinating the EBA’s assessment of the implications of the AI Act for the European banking sector and on the EBA’s monitoring of the adoption levels and risks of different AI techniques by banks, including generative AI. After an academic background in law and economics, and a master’s degree in geopolitics, he previously worked as a policy advisor on digital finance for the private sector in Spain and Belgium.
Alessia Tortato, European Banking Authority
Alessia Tortato is a Specialist in Market Monitoring at the EBA. For the past 2 years, Alessia has worked on the monitoring of AI use cases, adoption levels and risks in the banking sector. Alessia is also currently contributing to the EBA’s preparedness for its supervisory function on crypto-assets under the MiCA framework. Alessia has a master’s degree in Finance from Ca’ Foscari University of Venice.
Chair:
Prof. Dr. Martin Ebers, University of Tartu
Martin Ebers is the President of the Robotics & AI Law Society (RAILS), Germany, and a Professor of IT Law at the University of Tartu, Estonia. He is also a permanent fellow at the Faculty of Law at the Humboldt University in Berlin, Germany. His latest books include “Algorithms and Law” (Cambridge University Press, 2020), “Contracting and Contract Law in the Age of Artificial Intelligence” (Hart Publishing, 2022), the “Stichwortkommentar Legal Tech” (Nomos Publishing, 2023), “Privacy, Data Protection and Data-driven Technologies” (Routledge, 2024), “Rechtshandbuch ChatGPT” (Nomos Publishing, 2024) and “The Cambridge Handbook of Generative AI and the Law” (Cambridge University Press 2025). Since 2024, he has been Editor-in-Chief of the new open access journal “Cambridge Forum on AI: Law and Governance” at Cambridge University Press.
