{
  "node_id": "eu-ai-act-high-risk-essential-services",
  "title": "EU AI Act - High-Risk AI in Essential Private and Public Services (Annex III Point 5)",
  "domain": "AI Governance & Law",
  "version": "1.0.0",
  "last_updated": "2026-04-28",
  "bluf": "EU AI Act (Regulation 2024/1689) Annex III Point 5 designates as high-risk all AI systems used to determine access to or denial of essential private and public services and benefits, covering: (5a) AI systems used by public authorities or on behalf of public authorities to evaluate eligibility for public benefit services and social services, or to grant, reduce, revoke, or recover such benefits; (5b) AI systems used to evaluate the creditworthiness of natural persons or to establish their credit score, with the exception of AI systems put into service by small-scale providers for their own use; (5c) AI systems used for risk assessment and pricing in life and health insurance; (5d) AI systems used to evaluate and classify emergency calls or to dispatch or prioritise the dispatch of emergency services including police, firefighters, and medical assistance; the essential services category is particularly significant because it directly affects citizens' access to social welfare, credit, health insurance, and emergency protection, making it one of the highest-impact categories for consumer rights and fundamental rights; the creditworthiness AI exclusion for small-scale providers self-using the system is the only Article 6(3) exclusion explicitly codified in Annex III itself rather than in Article 6(3)'s general exclusion provision.",
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    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0",
    "l402_paywall_url": "https://bidda.com/api/v1/vault/nodes/eu-ai-act-high-risk-essential-services.json"
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  "crosswalks": {
    "_available_keys": [
      "gdpr",
      "iso_27001",
      "nist_csf"
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    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "eu-ai-act-2024",
    "eu-ai-act-article-9-risk-management-system",
    "eu-ai-act-article-10-data-governance-training",
    "eu-ai-act-article-13-transparency-high-risk",
    "eu-ai-act-article-14-human-oversight",
    "eu-ai-act-article-26-deployer-obligations",
    "eu-ai-act-article-27-fria-fundamental-rights",
    "eu-ai-act-annex-iii-high-risk-ai-systems"
  ],
  "primary_citations_count": 5
}