Fintech and lending AI
EU AI Act documentation for credit scoring and lending decision tools
AI used to assess natural persons for creditworthiness, affordability, pricing, or lending access can trigger high-risk obligations. TrustPacket helps fintech teams map the tier and prepare the documentation buyers and partners request.
What buyers ask
- Does the system assess a natural person's creditworthiness or ability to repay?
- What data sources, proxy variables, and bias-testing practices support the score?
- How can a human reviewer override or investigate an adverse recommendation?
Obligations to plan for
- Data governance and bias review for features that affect access to credit or essential services.
- Technical documentation, human oversight, logging, performance metrics, and monitoring plans.
- Clear scope notes when a feature is fraud detection rather than creditworthiness assessment.
Docs that reduce friction
- Risk Classification Memo separating creditworthiness, affordability, and fraud-only features.
- Annex IV Technical Documentation draft for data, model, metrics, oversight, and monitoring.
- Model/System Card, AI Usage Policy, Roadmap, and Article 27 FRIA scope/support draft in the Full Pack.
A practical path from risk to documents
Step 1
Run the checker and save the risk result.
Step 2
Use the Doc Pack questionnaire to add system, data, oversight, and testing facts.
Step 3
Send the generated drafts to counsel, customers, or internal owners for review.
Need to answer a buyer questionnaire?
Start with a free risk check, then turn your answers into structured TrustPacket documentation drafts. Informational templates, not legal advice.