Incorporating AI-based decision-making into consumer credit assessment under the framework of Consumer Law enhances regulatory compliance. This paper outlines a Multi-Agent Systems (MAS) to implementing Art. 18(6)(8)(9) of the EU 2023/2225 Directive, dated 18 October. In pursuit of this goal, we propose a legal framework emphasizing the necessity of hybrid oversight in AI-based consumer scoring. This study aims to improve transparency and fairness through the implementation of an Explainable Agent-based layer. Overall, this research introduces the concept of Machine-Centred Anthropocentrism. It acknowledges that, after the training, validation and testing stages, credit analysts no longer have complete psychological control over the data-driven entities programmers have given birth.