{"product_id":"automatiserad-kreditprovning-mansklig-granskning-2026","title":"Automated credit assessment 2026\/2027 – human review, letter of explanation and rejection log | Word\/PDF\/Excel","description":"\n\u003cp\u003e\u003cstrong\u003eAutomated credit assessment – ready-made templates for human review and clear explanations for consumers.\u003c\/strong\u003e The \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003enew Consumer Credit Act (2026:1011)\u003c\/a\u003e comes into force on \u003cstrong\u003e20 November 2026\u003c\/strong\u003e. Chapter 3, Section 15 contains special obligations when credit assessment involves automated processing of personal data: consumers must be informed of the right to request human review, an explanation, and information about the risks of automation. This product provides Swedish lenders with a concrete documentation workflow.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eYou get:\u003c\/strong\u003e five Swedish working documents, a Swedish user guide, and a separate English User Guide. All seven documents are available in both editable Word (DOCX) and searchable PDF formats, plus an Excel register (XLSX) with nine tabs: \u003cstrong\u003e7 Word + 7 PDF + 1 Excel = 15 files\u003c\/strong\u003e in a digital ZIP. The PDF versions are searchable and printable, but are not interactive forms. The working documents and Excel file are in Swedish.\u003c\/p\u003e\n\u003cdiv style=\"border:2px solid #729dbc;background:#ebf5fc;padding:18px 20px;border-radius:8px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 7px\"\u003e01. Package contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eFive separate working documents:\u003c\/strong\u003e applicability assessment, consumer information and request, review log, explanation and rejection letter, and implementation control with test cases. \u003cstrong\u003eGuides:\u003c\/strong\u003e Swedish user guide and English User Guide. \u003cstrong\u003eExcel:\u003c\/strong\u003e register with nine tabs for tracking cases, human review, responses, and deviations. Total of 15 downloadable customer files in ZIP.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003cdiv style=\"border:2px solid #729dbc;background:#f5faff;padding:18px 20px;border-radius:8px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 7px\"\u003e02. What the files contain\u003c\/h2\u003e\n\n\u003cp\u003eEditable fields for credit type, date, and transitional rules, special exceptions, the consumer's request, allocation of responsibility and cases, actual human review, identified data sources, individual explanations, reasons for rejection, and post-checks. Excel counts registered cases and shows missing control data. \u003cstrong\u003eIt does not make any credit decisions, assess creditworthiness, or issue any legal approvals.\u003c\/strong\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003ch2\u003eWho needs this product?\u003c\/h2\u003e\n\u003cp\u003eIt is designed for \u003cstrong\u003elenders, lending institutions, compliance, legal, customer service, and product owners\u003c\/strong\u003e responsible for automated credit assessment workflows.\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eSituation 1:\u003c\/strong\u003e a customer requests that a real case officer review an automated credit assessment.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eSituation 2:\u003c\/strong\u003e a consumer loan is rejected based on actual data in an external database, and the customer needs a correct rejection notice.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eSituation 3:\u003c\/strong\u003e a company is redesigning its credit decision workflow ahead of 20 November 2026 and wants to test exceptions, information obligations, and human review.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWhen is the template not the right choice?\u003c\/strong\u003e If you want a general credit policy, the credit agreement itself, a creditworthiness model, a tool that calculates repayment ability, or a solution that automatically approves loans. It is also not intended for use without an individual assessment of which credit type and legal regime applies.\u003c\/p\u003e\n\u003ch2\u003eFile by file: exact contents\u003c\/h2\u003e\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"width:100%;min-width:680px;border-collapse:collapse\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#dbeaf8\"\u003e\n\n\u003cth\u003eNo.\u003c\/th\u003e\n\n\u003cth\u003eFile\u003c\/th\u003e\n\n\u003cth\u003ePractical use\u003c\/th\u003e\n\n\u003cth\u003eLanguage\u003c\/th\u003e\n\n\u003cth\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e01\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eApplicability and process assessment\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eAgreement date, credit type, exceptions, and separate legal rules\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e02\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eConsumer information and request\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eMessage and receipt log for human review\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e03\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eHuman review log\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eActual case officer, data verification, and independent assessment\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e04\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eExplanation letter and rejection notice\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eIndividual reasons, significance of automation, external database\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e05\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eImplementation control and test cases\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eScenario testing, deviation management, and human operational decisions\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e06\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eUser guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eStep-by-step, data protection, legal regimes, and checklists\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e07\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eEnglish User Guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eEnglish instructions for the Swedish templates\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eEN\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eWord + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003e08\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eExcel register\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eNine tabs for cases, review requests, responses, and actions\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eSV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e6;vertical-align:top\"\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\u003ch2\u003eExcel with nine tabs\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eStart, Customer Case, Credit Assessment, Request, Human Review, Explanations, Rejection, Actions, and Sources.\u003c\/strong\u003e Enter only anonymous or pseudonymous process IDs, responsible parties, secure source references, and actual status updates. The compilation shows scope and open actions.\u003c\/p\u003e\n\u003cp\u003eExcel is designed to distinguish \u003cstrong\u003e\"Missing documentation\"\u003c\/strong\u003e from \u003cstrong\u003e\"Documentation registered – MANUAL REVIEW\"\u003c\/strong\u003e. This status is not proof that a case complies with the law. No personal credit information or fictitious customer cases are included in the customer file.\u003c\/p\u003e\n\u003ch2\u003eWhat does the new Consumer Credit Act say?\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003e1. Credit assessment:\u003c\/strong\u003e According to Chapter 3, Sections 13–14, the trader shall assess the consumer's financial circumstances based on relevant and proportionate information. The document package does not perform this assessment.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e2. Human review:\u003c\/strong\u003e According to \u003cstrong\u003eChapter 3, Section 15\u003c\/strong\u003e, when credit assessment involves automated processing of personal data, the trader shall, at the consumer's request, review the credit assessment with human involvement, explain the significance of the automated processing, and inform about its risks. The consumer shall be informed of this possibility in connection with the credit assessment.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e3. Rejection notice:\u003c\/strong\u003e According to \u003cstrong\u003eChapter 3, Section 16\u003c\/strong\u003e, the consumer shall be notified as soon as possible of the reason if the credit is not approved. When the rejection is based on information from an external database, special information about the data and the database shall be provided.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e4. Important limitations:\u003c\/strong\u003e Chapter 3, Section 19 contains exceptions for, among others, \u003cem\u003especial invoice credit\u003c\/em\u003e. Other rules apply to certain special credits. The fact that a purchase is invoiced does not in itself mean that the exception is met. The repealed Consumer Credit Act (2010:1846) still applies to many credit agreements concluded before 20 November 2026, according to the special transitional provisions. Assess the applicability to the individual case.\u003c\/p\u003e\n\u003ch2\u003eGDPR and AI Act – two separate controls\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eGDPR Article 22:\u003c\/strong\u003e \u003ca href=\"https:\/\/www.imy.se\/verksamhet\/dataskydd\/innovationsportalen\/vagledning-om-gdpr-och-ai\/gdpr-och-ai\/automatiserat-beslutsfattande\/\"\u003eIMY describes\u003c\/a\u003e the right not to be subject to certain decisions based solely on automated processing that produce legal or similarly significant effects. This is a different criterion from Chapter 3, Section 15 of the new Consumer Credit Act. A credit assessment may involve automated processing without the entire decision being solely automated.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eEU AI Act:\u003c\/strong\u003e \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1689\/2026-07-27\/eng\"\u003eAnnex III, point 5(b)\u003c\/a\u003e identifies certain AI systems intended to assess natural persons' creditworthiness or establish credit scores, with an explicit exception for AI systems intended to detect financial fraud. According to \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2026\/1744\/oj\"\u003eAmending Regulation 2026\/1744\u003c\/a\u003e, relevant high-risk provisions will, as a starting point, apply from \u003cstrong\u003e2 December 2027\u003c\/strong\u003e, with special transitional rules. Not every automated credit assessment uses AI, and not all AI in the financial sector is automatically high-risk.\u003c\/p\u003e\n\u003ch2\u003eSix steps in a proper process\u003c\/h2\u003e\n\u003col\u003e\n\n\u003cli\u003eCheck the agreement date and applicable law, credit type, exceptions, and role responsibilities.\u003c\/li\u003e\n\n\u003cli\u003eDetermine whether and how automated processing is used in the credit assessment.\u003c\/li\u003e\n\n\u003cli\u003eSend tailored information and a readily available contact channel where the obligation applies.\u003c\/li\u003e\n\n\u003cli\u003eReceive the consumer's request and assign a case officer with actual review authority.\u003c\/li\u003e\n\n\u003cli\u003eReview the data and the basis of the decision, explain the significance of automation, respond to the request, and send a reasoned rejection notice in case of rejection.\u003c\/li\u003e\n\n\u003cli\u003eFollow up on deviations, test the system, and document your own human operational and change decisions.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eMust a customer always receive a human review of the credit assessment?\u003c\/h3\u003e\u003cp\u003eChapter 3, Section 15 of the new Consumer Credit Act sets special requirements when a comprehensive credit assessment involves automated processing of personal data and the consumer requests a review. Check the credit type, exceptions, and transitional rules. GDPR Article 22 may be relevant according to other criteria.\u003c\/p\u003e\n\u003ch3\u003eDoes the law already apply on 12 November 2026?\u003c\/h3\u003e\u003cp\u003eNo. The Consumer Credit Act (2026:1011) comes into force on \u003cstrong\u003e20 November 2026\u003c\/strong\u003e. The package helps companies prepare the processes before then. Earlier legal rules, including GDPR, may already apply.\u003c\/p\u003e\n\u003ch3\u003eCan we use the same notice for all credit rejections?\u003c\/h3\u003e\u003cp\u003eNo. The reason for rejection, actual data, and any external database must reflect the individual assessment. The fields must be filled in and quality-assured.\u003c\/p\u003e\n\u003ch3\u003eIs a case officer who just presses approve sufficient?\u003c\/h3\u003e\u003cp\u003eNot as a general guarantee. The template presupposes a real opportunity for a reasoned review, a clear explanation, and documented control.\u003c\/p\u003e\n\u003ch3\u003eDoes this also apply to regular invoice payments and BNPL?\u003c\/h3\u003e\u003cp\u003eIt depends on the legal classification of the credit product, the parties involved, and special exceptions, including Chapter 3, Section 19. Do not make a decision based solely on the designation \"invoice\".\u003c\/p\u003e\n\u003ch3\u003eDoes Excel perform a credit assessment or legality check?\u003c\/h3\u003e\u003cp\u003eNo. It is a control and case register. No credit scores, income, debts, or personal identity numbers should be saved there.\u003c\/p\u003e\n\u003ch3\u003eAre the documents approved by a lawyer and is the PDF interactive?\u003c\/h3\u003e\u003cp\u003eNo. Legal sources have been AI-assisted checked as of 12 November 2026, not by an independent lawyer. The PDF is searchable and printable but not digitally fillable; use Word for editing.\u003c\/p\u003e\n\u003ch2\u003eRelated Mallbutiken products\u003c\/h2\u003e\n\u003cp\u003eFor payment solutions in Shopify, there is \u003ca href=\"\/en\/products\/bnpl-checkout-konsumentkredit-2026-ansvarsmatris\"\u003eBNPL – credit control in Shopify checkout\u003c\/a\u003e and \u003ca href=\"\/en\/products\/bnpl-faktura-ehandel-2026-kreditkontroll\"\u003eBNPL \u0026amp; invoice in e-commerce\u003c\/a\u003e. These handle different steps than the consumer's request for human review. For an \u003cem\u003ealready incorrectly registered credit result\u003c\/em\u003e, there is \u003ca href=\"\/en\/products\/rattelse-kreditupplysning-betalningsanmarkning-word-pdf-excel\"\u003eCorrection of credit report\u003c\/a\u003e.\u003c\/p\u003e\n\u003ch2\u003eSources and transparency\u003c\/h2\u003e\n\u003cp\u003eOfficial sources: \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003eConsumer Credit Act (2026:1011)\u003c\/a\u003e, \u003ca href=\"https:\/\/www.imy.se\/verksamhet\/dataskydd\/innovationsportalen\/vagledning-om-gdpr-och-ai\/gdpr-och-ai\/automatiserat-beslutsfattande\/\"\u003eIMY's guidance on automated decision-making\u003c\/a\u003e, \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1689\/2026-07-27\/eng\"\u003eAI Act (EU) 2024\/1689\u003c\/a\u003e, and \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2026\/1744\/oj\"\u003e2026\/1744\u003c\/a\u003e. \u003cstrong\u003eVersion 1.0, reviewed 12 November 2026.\u003c\/strong\u003e The product is a documentation aid, not an official form, lending service, automatic AI certification, or individual legal opinion. Delivery is a ZIP file after separate publication and file linking.\u003c\/p\u003e\n","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56592885809494,"sku":"CREDIT-HUMAN-REVIEW-2026-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/01_kreditprovning_huvudbild_1600.png?v=1794475013","url":"https:\/\/mallbutiken.se\/en\/products\/automatiserad-kreditprovning-mansklig-granskning-2026","provider":"Mallbutiken","version":"1.0","type":"link"}