EU AI Act High-Risk Fit & Classification Diagnostic
In-force-first A–F diagnostic for financial AI systems. Screens in-force obligations today — Art 5 prohibited practices (in force 2 Aug 2025, €35M/7%), Art 4 AI literacy (in force 2 Feb 2025), GPAI obligations (Arts 53–55, in force 2 Aug 2025) — then classifies Annex III high-risk status (credit scoring, insurance pricing, financial-standing) and routes to the right Wave-15 aig-* chain. Separates DO NOW items from prepare-ahead obligations (2 Dec 2027 per Digital Omnibus — verify).
Art 5 prohibited — €35M/7% — IN FORCE 2 Aug 2025Art 4 literacy — IN FORCE 2 Feb 2025GPAI Arts 53-55 — IN FORCE 2 Aug 2025Annex III high-risk — prepare-ahead 2 Dec 2027 (verify)
⚠ AI Act timeline is in flux: Digital Omnibus (provisional agreement 7 May 2026) proposes Annex III high-risk obligations → 2 Dec 2027. Legal effect only on formal adoption before 2 Aug 2026. If not adopted, original 2 Aug 2026 date applies. Verify current status against the Official Journal before relying on either date. GPAI obligations (Arts 53-55) are UNCHANGED by the Omnibus and remain in force since 2 Aug 2025.
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DO NOW — In-force obligations (screen first)
PREPARE-AHEAD — Annex III classification + Arts 9-15
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Overall AI Act readiness
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Dimension scores
DO NOW — In-force obligations
PREPARE-AHEAD — Dec 2027 obligations (verify date)