This article examines the growth of algorithmic credit scoring and its implications for the regulation of consumer credit markets in the UK. It constructs a frame of analysis for the regulation of algorithmic credit scoring, bound by the core norms underpinning UK consumer credit and data protection regulation: allocative efficiency, distributional fairness and consumer privacy (as autonomy). Examining the normative trade-offs that arise within this frame, the article argues that existing data protection and consumer credit frameworks do not achieve an appropriate normative balance in the regulation of algorithmic credit scoring. In particular, the growing reliance on consumers’ personal data by lenders due to algorithmic credit scoring, coupled with the ineffectiveness of existing data protection remedies has created a data protection gap in consumer credit markets that presents a significant threat to consumer privacy and autonomy. The article makes recommendations for filling this gap through institutional and substantive regulatory reforms.

中文翻译：

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算法信用评分的规范

本文探讨了算法信用评分的发展及其对英国消费者信用市场监管的影响。它为算法信用评分的监管构建了一个分析框架，受支撑英国消费者信用和数据保护监管的核心规范约束：分配效率、分配公平和消费者隐私（作为自治）。通过检查在此框架内出现的规范权衡，本文认为现有的数据保护和消费者信用框架在算法信用评分的监管方面没有达到适当的规范平衡。特别是，由于算法信用评分，贷方越来越依赖消费者的个人数据，再加上现有数据保护补救措施的无效性，在消费者信贷市场上造成了数据保护缺口，对消费者隐私和自主权构成了重大威胁。本文提出了通过制度和实质性监管改革来填补这一空白的建议。