{"id":14505,"date":"2024-01-02T12:02:54","date_gmt":"2024-01-02T11:02:54","guid":{"rendered":"https:\/\/www.sybarius.net\/?p=14505"},"modified":"2024-05-22T17:24:14","modified_gmt":"2024-05-22T15:24:14","slug":"credit-scoring-et-rgpd","status":"publish","type":"post","link":"https:\/\/www.sybarius.net\/nl\/credit-scoring-et-rgpd\/","title":{"rendered":"Cr\u00e9dit, scoring et RGPD :"},"content":{"rendered":"\n

Par un arr\u00eat du 7 d\u00e9cembre 2023, la Cour de justice de l\u2019Union europ\u00e9enne (CJUE), s’est prononc\u00e9e en mati\u00e8re d’octroi de cr\u00e9dit et de prise de d\u00e9cision individuelle automatis\u00e9e au regard du r\u00e8glement g\u00e9n\u00e9ral sur la protection des donn\u00e9es (RGPD).
Le litige concernait une une soci\u00e9t\u00e9 priv\u00e9e charg\u00e9e d’\u00e9tablir \u00e0 la demande notamment d’\u00e9tablissements bancaires, les capacit\u00e9s de remboursement des clients en mati\u00e8re de cr\u00e9dits bancaires et ce sur la base d’une m\u00e9thode statistique math\u00e9matique. Une personne s’\u00e9tant vue refuser l\u2019octroi d\u2019un pr\u00eat par un des partenaires de cette soci\u00e9t\u00e9, apr\u00e8s avoir re\u00e7u un score n\u00e9gatif, a saisi un tribunal allemand.
Par l’arr\u00eat pr\u00e9cit\u00e9, la CJUE a rappel\u00e9 que le droit de ne pas faire l\u2019objet d\u2019une d\u00e9cision automatis\u00e9e, pr\u00e9vu \u00e0 l\u2019article 22 du RGPD, s’applique en mati\u00e8re de \u00ab\u00a0credit scoring\u00a0\u00bb d\u00e8s lors qu’il peut s’agit, selon la Cour, d’une telle d\u00e9cision individuelle automatis\u00e9e. <\/p>\n\n\n\n

Selon la CJUE, le RGPD s’oppose d\u00e8s lors \u00e0 une telle pratique commerciale. <\/p>\n\n\n\n

Nul doute que cette d\u00e9cision risque d’\u00eatre invoqu\u00e9e par nombre de clients en la mati\u00e8re, en ce compris \u00e0 l’\u00e9gard de banques, de compagnies d’assurances etc…<\/p>\n","protected":false},"excerpt":{"rendered":"

Par un arr\u00eat du 7 d\u00e9cembre 2023, la Cour de justice de l\u2019Union europ\u00e9enne (CJUE), s’est prononc\u00e9e en mati\u00e8re d’octroi de cr\u00e9dit et de prise de d\u00e9cision individuelle automatis\u00e9e au regard du r\u00e8glement g\u00e9n\u00e9ral sur la protection des donn\u00e9es (RGPD). Le litige concernait une une soci\u00e9t\u00e9 priv\u00e9e charg\u00e9e d’\u00e9tablir \u00e0 la demande notamment d’\u00e9tablissements bancaires, […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[157,156,154,155],"ppma_author":[283],"class_list":["post-14505","post","type-post","status-publish","format-standard","hentry","category-economie","tag-rgpd-2","tag-banque","tag-credit","tag-scoring"],"acf":[],"yoast_head":"\nCr\u00e9dit, scoring et RGPD : - Sybarius<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sybarius.net\/credit-scoring-et-rgpd\/\" \/>\n<meta property=\"og:locale\" content=\"nl_NL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit, scoring et RGPD : - Sybarius\" \/>\n<meta property=\"og:description\" content=\"Par un arr\u00eat du 7 d\u00e9cembre 2023, la Cour de justice de l\u2019Union europ\u00e9enne (CJUE), s’est prononc\u00e9e en mati\u00e8re d’octroi de cr\u00e9dit et de prise de d\u00e9cision individuelle automatis\u00e9e au regard du r\u00e8glement g\u00e9n\u00e9ral sur la protection des donn\u00e9es (RGPD). 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