A European Bank Just Asked How Your AI Credit Scoring Tool Handles Adverse Action Notices: Answering the Article 13 and 86 Explainability Questions

The vendor risk team at a mid-sized European bank just sent over a 52-question AI governance questionnaire. You're on page 3 — "Automated Decision Transparency" — and question 14 reads: "When your AI system contributes to a credit denial or adverse p...