This chapter closes Part 1 by analysing how the opacity surrounding the use of AI and ADM tools by financial corporations is enabled, and even encouraged by the law. As other chapters in the book demonstrate, such opacity brings about significant risks to fundamental rights, consumer rights, and the rule of law. Analysing examples from jurisdictions including the US, UK, EU, and Australia, Bednarz and Przhedetsky unpack how financial entities often rely on rules and market practices protecting corporate secrecy such as complex credit scoring systems, proprietary rights to AI models and data, as well as the carve out of ‘non-personal’ information from data and privacy protection laws. The authors then focus on the rules incentivising the use of AI and ADM tools by financial entities, showing how they provide a shield behind which corporations can hide their consumer scoring and rating practices. The authors also explore potential regulatory solutions that could break the opacity and ensure transparency, introducing direct accountability and scrutiny of ADM and AI tools, and reducing the control of financial corporations over people’s data.