The right to an explanation
remains one of the most contentiously discussed topics within the European
Union (EU) data protection law. This article explores this emerging right in
the specific context of credit scoring, where multiple legal frameworks
intersect and a holistic approach is therefore required. It outlines the
relevant legal landscape before analysing and comparing the obligations to
explain credit-related decisions under three EU legal frameworks: the General
Data Protection Regulation (GDPR), the Artificial Intelligence Act (AI Act),
and the revised Consumer Credit Directive (CCD). By delineating the scope and
substantive requirements of each framework, it aims to clarify the contours of
a right to an explanation regarding credit score.