This article examines a form of financial exclusion that operates without a decision ever being explained: the serial refusal of credit and leasing to entrepreneurs whose records are, by every accessible measure, unblemished, and whose difficulties trace to a false positive in anti money laundering screening systems. The phenomenon sits at the intersection of three … Continue reading The Invisible Refusal: Remedying Erroneous AML Designations in Financial Sector Risk Systems under the GDPR and Polish Banking Law