Credit or creditworthiness scoring in Chile: related rules

Models that estimate a person's likelihood of default or creditworthiness to approve, deny or price credit. It is high-risk in the EU and Peru and requires explaining denial reasons and allowing human review in almost every jurisdiction.

Risk classification

Jurisdiction	Level	Date	Note
Chile	Data protection	December 1, 2026	Law 21,719, Art. 8 bis: human review of automated decisions.

Obligations related to this use case

Rights regarding automated decisions (art. 8 bis)

Law 21,719Ley 19.628 modificada por la Ley 21.719, art. 8 bisAdopted, applies later

Applies from December 1, 2026

When it relates: If you use systems that decide about people, including profiling, with legal or similarly significant effects (employment, credit, insurance, education, health, access to services).
What the rule provides: Recognize the right to object and not to be subject to these decisions, unless needed for a contract, based on express consent or allowed by law.
In every case, ensure information, an explanation, human intervention, the chance to give one's view and to request review of the decision.
Typical evidence: Human review procedure with case log.
Decision explanation templates.
Related base documents: Automated Decision Review Procedure
Supporting documents: Adverse Automated Decision Explanation Letter
Automated Decision Log Standard
Human Oversight Procedure for AI Systems
Model Explainability (XAI) Procedure
Verification: Verified in the official source on November 2, 2026Text and date checked in BCN LeyChile (published in the Official Gazette on Dec 13, 2024; first transitional article: effective on the first day of the 24th month after publication = Dec 1, 2026). Art. 8 bis text read in the official source. Postponement: Bill 18.623-07 (filed Sept 1, 2026, proposing Dec 1, 2027) passed the Senate on Oct 28, 2026 (33 to 6) with a new date of Oct 15, 2027 and moved to the Chamber of Deputies (press sources: Emol, Pauta, Garrigues). Until it is published as law, the legal date remains Dec 1, 2026. Recheck before that date.

Data protection impact assessment

Law 21,719Ley 19.628 modificada por la Ley 21.719, art. 15 terAdopted, applies later

Applies from December 1, 2026

When it relates: If processing is likely to be high risk; always for profiling with significant effects, large-scale processing, systematic monitoring of public areas and sensitive data without consent.
What the rule provides: Carry out the assessment before processing starts.
Follow the list and minimum guidance the Agency publishes.
Typical evidence: Signed and dated assessment per system.
Related base documents: Data Protection Impact Assessment (DPIA) for AI
Supporting documents: Algorithmic Impact Assessment (AIA)
Impact Assessment Summary Register
Verification: Verified in the official source on November 2, 2026Text and date checked in BCN LeyChile (published in the Official Gazette on Dec 13, 2024; first transitional article: effective on the first day of the 24th month after publication = Dec 1, 2026). Postponement: Bill 18.623-07 (filed Sept 1, 2026, proposing Dec 1, 2027) passed the Senate on Oct 28, 2026 (33 to 6) with a new date of Oct 15, 2027 and moved to the Chamber of Deputies (press sources: Emol, Pauta, Garrigues). Until it is published as law, the legal date remains Dec 1, 2026. Recheck before that date.

Related kits

Includes 7 documents

Credit and Insurance Kit

Model risk with inventory and materiality, adverse-decision explanation letters, human review, a decision log, technical model documentation and the EU AI Act Art. 26 checklist for high-risk systems.

USD 139USD 253

Complete kit · available to buy

Find out what applies to you (free)Chile