Processing in common credit information systems

Art. 18 Organic Law 3/2018 states that there is no national legislation on automated decision-making. However, Art. 20 Organic Law 3/2018 stipulates that the processing of personal data related to the breach of pecuniary, financial or credit obligations through common credit information systems is lawful. In such situations, there are various obligations that must be met in order to justify the processing.