Metarules, Judgment and the Algorithmic Future of Financial Regulation in the UK.

UK financial regulators are experimenting with the conversion of rulebook content into machine-readable and executable code. A major driver of these initiatives is the belief that the use of algorithms will eliminate the need for human interpretation as a deliberative process, and that this would be...

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Publicado en:Oxford Journal of Legal Studies Vol. 43; no. 4; pp. 777 - 804
Autor principal: Georgosouli, Andromachi
Formato: Artículo
Publicado: Oxford University Press / USA Winter2023
Materias:
Acceso en línea:Ver este registro en EBSCOhost
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        atl: Metarules, Judgment and the Algorithmic Future of Financial Regulation in the UK.
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        au: Georgosouli, Andromachi
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        Finance laws
        Algorithms
        Decision making in economic policy
        Digitization
        Economic policy
        United Kingdom
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        subj:
          United Kingdom
          Finance laws
          Algorithms
          Decision making in economic policy
          Digitization
          Economic policy
      keyword:
        algorithmic decision-making
        code
        digitalisation
        financial regulation
        governance
        legitimacy
        rules
      ab: UK financial regulators are experimenting with the conversion of rulebook content into machine-readable and executable code. A major driver of these initiatives is the belief that the use of algorithms will eliminate the need for human interpretation as a deliberative process, and that this would be a welcome development because it will improve effectiveness while cutting time and costs for regulators and the industry alike. In this article, I set out to explain why human interpretation should be preserved and further harnessed if data-driven governance is to work at all. To support my thesis, I bring attention to the limited translatability of rulebook content into code, and to the difficulties for machines to engage with the full spectrum of tasks of analogical reasoning. I further contend that it would be desirable to preserve human interpretation on procedural grounds pertaining to the legitimacy of financial regulators. I conclude with recommendations about the future design of the financial rulebooks.
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