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Navigating the new landscape of AI-driven credit assessment: legal and regulatory considerations for financial institutions
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The rapid integration of artificial intelligence into credit assessment processes has fundamentally transformed how financial institutions evaluate borrower risk and make lending decisions. As AI systems become increasingly sophisticated, they present both unprecedented opportunities for enhanced risk management and complex legal challenges that require careful navigation. This In Practice article examines the key legal and regulatory considerations that financial institutions must address when implementing AI-driven credit assessment systems.
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