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A mortgage lender has created an online application that collects borrower information and delivers a mortgage decision automatically based on criteria set by the lender. Which fundamental data subject right does this process infringe upon?
Suggested Answer: C
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The right not to be profiled is the right of data subjects to not be subject to a decision based solely on automated processing, including profiling, which produces legal or similarly significant effects on them. The online application that delivers a mortgage decision automatically based on criteria set by the lender is an example of such a decision, as it affects the data subject's ability to obtain a loan.
What exactly is 'profiling' under the GDPR - DMA
Can I be subject to automated individual decision-making, including profiling - European Commission
30 comments · newest first
MI
Micaela
6 months ago
All good points, but I feel D) Right to object is crucial too. Users should have a say.
SA
Sarina
6 months ago
I lean towards A) Right to restriction of processing. It limits choices.
RE
Rene
6 months ago
True, but profiling is a bigger issue. People should have control over their data.
LE
Leonor
7 months ago
But isn't it also B) Right to be informed? They should know how their data is used.
SH
Shantell
7 months ago
Isn't it a bit surprising that lenders can automate decisions like this?
NA
Nada
7 months ago
Right to be informed is also a concern here!
CA
Carmen
8 months ago
Wait, are we sure it violates that right? Seems a bit gray.
KR
Kristeen
8 months ago
I agree, profiling without consent is a big issue.
ED
Edelmira
8 months ago
This definitely infringes on the right not to be profiled.
LE
Lenny
8 months ago
I'm going with C. Gotta protect those borrowers from the robot overlords!
FA
Fabiola
8 months ago
Wow, this is like a Black Mirror episode come to life. The right not to be profiled is definitely the way to go.
RO
Roxane
8 months ago
Option C is the correct answer. Automated decision-making based on profiling is a big no-no.
DA
Daren
9 months ago
I’m leaning towards the right to restriction of processing, but I’m not confident. It’s tricky when it comes to automated systems.
DE
Devorah
9 months ago
This seems similar to a practice question we did on automated decision-making. I feel like the right to object could be relevant too.
WI
Wilda
9 months ago
I'm not entirely sure, but I remember something about the right to be informed being important in these contexts.
SA
Samira
9 months ago
I think this might relate to the right not to be profiled since the decision is made automatically based on the data collected.
JO
Jovita
9 months ago
I feel pretty confident about this one. The automated decision-making in the mortgage application is likely infringing on the borrower's right to not be subject to solely automated decision-making, which is part of the right to not be profiled.
PO
Portia
9 months ago
Okay, I've got this. The key is understanding how the automated mortgage decision process impacts the borrower's rights. I think the right to not be profiled is the one that's most relevant here.
HE
Hester
10 months ago
I agree, Alice. Automated decisions feel unfair.
ST
Stevie
10 months ago
I think it's C) Right not to be profiled.
CO
Corrie
10 months ago
I think the right to be informed is the most relevant here. The borrowers should know how their data is being used.
JE
Jennifer
10 months ago
This is a tricky question, but I think the right to not be profiled is the best answer. The automated decision-making process seems to be using the borrower's information in a way that could be considered profiling, which infringes on that data subject right.
DO
Dominic
10 months ago
Haha, the robot lender is trying to pull a fast one. C is the only way to stop the AI takeover.
FA
Fanny
11 months ago
Hmm, I'm a bit confused. I know there are a lot of data subject rights, but I'm not sure which one specifically applies here. I'll have to review my notes.
OR
Orville
11 months ago
This seems like a tricky one. I'll need to think carefully about the different data subject rights and how they apply to this mortgage application process.
OT
Otis
5 months ago
Agreed, we need to protect against automated profiling.
CO
Corrina
5 months ago
But the profiling aspect seems more direct.
MA
Martina
6 months ago
Right to be informed is also important here.
BR
Brynn
6 months ago
Definitely! Automated decisions can lead to unfair treatment.
MA
Maryanne
6 months ago
I think it's about profiling.