AI Act high-risk classification — DE / FR / IT
You are building a credit-scoring AI for three EU markets. Each member state may have additional national positions on top of the EU AI Act high-risk classification.
How the gateway answered
Compare AI Act high-risk classification for credit scoring across DE, FR, and IT. Include the harmonised EU position (Regulation (EU) 2024/1689 Annex III) plus any national supervisory-authority guidance. Side-by-side, with citations.
search(query="high-risk AI system credit scoring Annex III" frameworks=[AI_ACT] limit=10)→ 10 results from EU Regulations MCP — AI Act Art. 6, 7, 12, 27, 43, 49, 60, 72, 74, Recital 131search(query="künstliche Intelligenz Kreditwürdigkeit Hochrisiko" jurisdictions=[DE] limit=6)→ 0 results; partial=true — German Law MCP temporarily unavailablesearch(query="intelligence artificielle évaluation crédit risque él…" jurisdictions=[FR] limit=6)→ 6 results from French Law MCP — articles from unrelated codes, off-topic for AI Act transpositionsearch(query="intelligenza artificiale valutazione credito alto ris…" jurisdictions=[IT] limit=6)→ 6 results from Italian Law MCP — articles from a national code, not the AI-specific transpositionEU AI Act + national overlay — credit-scoring AI across DE, FR, IT
Credit scoring is named explicitly as a high-risk use case in the EU AI Act. The harmonised position is clear from the gateway's EU Regulations corpus. National supervisor-specific transpositions were not surfaced in this run — the gateway returned the EU position strongly but national searches yielded only tangential matches.
EU harmonised position (Regulation (EU) 2024/1689)
The gateway returned the following on-point articles from the AI Act:
- Article 6 — Classification rules for high-risk AI systems. A system is high-risk if it falls into either the Annex I (product safety) route or the Annex III route. Credit scoring sits in Annex III, point 5(b): "AI systems intended to be used to evaluate the creditworthiness of natural persons or establish their credit score, except for AI systems used for the purpose of detecting financial fraud." The fraud-detection carve-out is narrow and does not cover scoring-of-individuals workflows.
- Article 7 — Amendment of Annex III. The Commission can add or modify high-risk use cases via delegated act; the credit-scoring entry has been stable through the negotiation.
- Article 12 — Record-keeping. High-risk providers must enable automatic …
Every claim traces to a source you can open
A typical AI assistant invents a citation that looks plausible. Ansvar retrieves the real one. Every finding above rests on one of these 10 primary sources — official legislation, agency guidance, and case law — each a link you or your auditor can open and check. Nothing here is generated.
- AI Act Article 6 — Classification rules for high-risk AI systemsEU · regulation · eur-lex.europa.eu
- AI Act Annex III — High-risk use cases (point 5(b) credit-scoring)EU · regulation · eur-lex.europa.eu
- AI Act Article 7 — Amendment of Annex IIIEU · regulation · eur-lex.europa.eu
- AI Act Article 12 — Record-keepingEU · regulation · eur-lex.europa.eu
- AI Act Article 27 — Fundamental Rights Impact AssessmentEU · regulation · eur-lex.europa.eu
- AI Act Article 43 — Conformity assessmentEU · regulation · eur-lex.europa.eu
- AI Act Article 49 — EU database registrationEU · regulation · eur-lex.europa.eu
- AI Act Article 72 — Post-market monitoringEU · regulation · eur-lex.europa.eu
- AI Act Article 74 — Market surveillance + sector supervisor routeEU · regulation · eur-lex.europa.eu
- AI Act Recital 131 — Credit-scoring classification rationaleEU · regulation · eur-lex.europa.eu
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