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This paper explores various challenges that consumer protection and data privacy law and regulation face with regard to big data and machine learning techniques, particularly where these are used for making decisions about services provided to consumers.

The challenges arising for the treatment of big data and machine learning under legal and regulatory frameworks for data protection and privacy suggest that the development of robust self-regulatory and ethical regimes in the artificial intelligence and financial services community may be particularly important. There are also various areas for further exploration and development of standards and procedures.

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