Other automated decisions with significant effects (housing, pricing, access to services)
Automated or AI-driven decisions that affect people outside employment and credit: housing rentals, personalized pricing, access to services, account blocking or legal services. They trigger rights regarding automated decisions under data protection laws and, in the US, consequential decision laws.
Examples
- Automated tenant screening
- Profile-based personalized pricing
- Automatic account blocking for risk
- Prioritizing service requests
By country
We only list countries where an obligation in force or adopted mentions this use case.
How rules treat it, by jurisdiction
| Jurisdiction | Level | Date | Note |
|---|---|---|---|
| Colorado | Consequential decision | January 1, 2027 | SB 26-189: education, employment, financial services, essential government services, health care, housing, insurance and legal services (the last one to be confirmed). |
| California | Consequential decision | January 1, 2027 | CCPA ADMT: significant decisions on financial services, housing, education, employment and health care. |
| United States (federal) | Sector rules | — | FCRA and the Fair Housing Act for tenant screening; landlords are responsible for their vendors. |
| European Union | Data protection | — | GDPR Art. 22; it is Annex III high-risk only for listed essential services (credit, insurance, public benefits, emergencies). |
| Spain | Data protection | — | GDPR Art. 22 and CJEU case law on the right to an explanation of the logic (C-203/22). |
| Peru | Data protection | March 31, 2025 | DS 016-2024-JUS Art. 87: right not to be subject to solely automated decisions with significant effects. |
| Ecuador | Data protection | — | Data Protection Law Art. 20: right not to be subject to automated decisions with legal effects. |
| Chile | Data protection | December 1, 2026 | Law 21,719, Art. 8 bis. |
| Argentina | Data protection | — | Law 25,326 and AAIP Res. 4/2019. |
| Brazil | Data protection | — | LGPD Art. 20. |
| Colombia | Data protection | — | Law 1581/2012 and SIC Circular 002/2024 (guidance). |
Common base documents
- Automated Decision Review Procedure
Procedure · USD 39 · Available to buy
- Adverse Automated Decision Explanation Letter
Letter template · USD 19 · Available to buy
- Automated Decision Log Standard
Register · USD 39 · Available to buy
- Human Oversight Procedure for AI Systems
Procedure · USD 39 · Available to buy
- Data Protection Impact Assessment (DPIA) for AI
Assessment template · USD 59 · Available to buy
Depending on your situation
- If there is a discrimination risk
- If the system comes from a vendor
- If an appeal path is offered