CRISC Information Technology and Security Practice Question
An organization is adopting machine learning for credit scoring decisions. Which of the following risks is MOST critical from a regulatory compliance perspective?
⚠ Common exam trap
A common pitfall on the CRISC exam is confusing operational risks (like bias or adversarial attacks) with regulatory compliance risks, where explainability is the primary legal requirement for automated decision systems.
Answer choices
Why each option matters
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
Lack of model explainability for automated decisions
Regulatory frameworks like GDPR and the EU AI Act emphasize the right to explanation for automated decisions. Without model explainability, the organization cannot demonstrate compliance with transparency requirements, making it the most critical risk from a regulatory compliance perspective.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✗
Model bias leading to unfair outcomes
Why it's wrong here
Bias is important but explainability is often a regulatory requirement for automated decisions.
- ✗
Data privacy during model training
Why it's wrong here
Data privacy is important but explainability is more directly tied to credit decision regulations.
- ✗
Adversarial attacks on the model
Why it's wrong here
Adversarial attacks are a security risk but not the most critical for regulatory compliance.
- ✓
Lack of model explainability for automated decisions
Why this is correct
Many regulations require explanations for automated credit decisions.
Go deeper
Related to this question
About these practice questions
This CRISC question is part of Courseiva's 983-question bank — original exam-style content with full explanations and wrong-answer analysis, never real exam questions or exam dumps. Learn why practice questions differ from exam dumps →
JA
Written by Johnson Ajibi, MSc IT Security
Senior Network & Security Engineer · founder of Courseiva
This CRISC practice question is part of Courseiva's free ISACA certification practice question bank. Courseiva provides original exam-style practice questions with explanations, topic-based practice, mock exams, readiness tracking, and study analytics to help learners prepare for the CRISC exam.