Annex III lists among high-risk AI systems those “intended to be used to evaluate the creditworthiness of natural persons or establish their credit score, with the exception of AI systems used for the purpose of detecting financial fraud”.

The exact words it rests on

ANNEX III High-risk AI systems referred to in Article 6(2) High-risk AI systems pursuant to Article 6(2) are the AI systems listed in any of the following areas: ... 5. Access to and enjoyment of essential private services and essential public services and benefits: ... (b) AI systems intended to be used to evaluate the creditworthiness of natural persons or establish their credit score, with the exception of AI systems used for the purpose of detecting financial fraud;

What the source said when we opened it, on 13 Oct 2026.

The source

Regulation (EU) 2024/1689 (the AI Act), Annex III
Official Journal of the European Union · 2024-06-13

Open the source

Checked

Checked by the notis newsroom on 13 Oct 2026, against the source above.

In the story

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