Five quick questions about your credit-decisioning system. The classification updates as you answer. Guidance only — not legal advice.
Does the system use AI or machine learning (not just static, hand-written rules)?
Does it make or materially inform credit or lending decisions?
Are those decisions about individuals (natural persons) — consumers or sole traders?
Could an output affect someone's access to, or the cost of, credit?
Do affected individuals reside in the EU, or do you place the system on the EU market?
This tool is a simplified guide to the EU AI Act's high-risk classification for creditworthiness assessment (Annex III). It is not legal advice — confirm with qualified counsel.