Abstract
Credit scoring software is now entrenched in the banking market to prevent defaults and non-performing loans. However, these software present critical issues concerning black box and algorithm functioning, as well as biases in the data that feed the machine learning. Even though the Artificial Intelligence Act Proposal has not yet entered into force, case law has already been formed on them, starting with the Court of Justice of the European Union (Case C-634/21), which has recognized that debtors requesting bank loans have access to the right to an explanation under Article 22 GDPR regarding the decision-making process of such programs.