What EU AI Act - High-Risk AI in Essential Private and Public Services (Annex III Point 5) requires
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.
Pillar: AI Governance & Law · Authority: European Parliament and Council of the EU · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
SHA-256 integrity: af5220247989b6ff282e1a8215c54e00bc1462bc3cf3c4af2ebfc69098a3e704
Primary Citations — 5 traced to source
- Regulation (EU) 2024/1689 - EU AI Act: Annex III Point 5 - High-Risk AI in Essential Private and Public Services
- Regulation (EU) 2024/1689 - EU AI Act: Article 86 - Right to Explanation for Affected Individuals
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