# Bank: Insufficient legal basis for data processing

- Type: Enforcement
- Source: Hungarian National Authority for Data Protection and the Freedom of Information (NAIH)
- Date: 2022-10-05
- Original: https://www.enforcementtracker.com/ETid-1440
- Canonical: https://overview.legal/posts/47555
- Topics: Insurance, Processing Agreement, Processing, Supervisory Authorities, Law Enforcement

## Summary

The Hungarian DPA has imposed a fine of EUR 72,500 on a bank. An individual had filed a complaint with the DPA. The bank had conducted a credit check on the individual based on a credit application. However, the bank later conducted a second credit check, although the individual had not requested a new credit offer. The DPA therefore found that this second credit check was carried out unlawfully due to the lack of a legal basis.

## Full text

The Hungarian DPA has imposed a fine of EUR 72,500 on a bank. An individual had filed a complaint with the DPA. The bank had conducted a credit check on the individual based on a credit application. However, the bank later conducted a second credit check, although the individual had not requested a new credit offer. The DPA therefore found that this second credit check was carried out unlawfully due to the lack of a legal basis.

GDPR Articles: Art. 5 (2) GDPR, Art. 6 (1) GDPR, Art. 12 (1) GDPR
Industry: Finance, Insurance and Consulting

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Generated by overview.legal · https://overview.legal/posts/47555 · 2026-08-22