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# Live credit decision

## Résumé de classification

- Organisation: Ada Smoke
- Secteur: Crédit / banque
- Finalité: Decide whether a person receives credit
- Risque: High-risk probable
- Composant de sécurité Article 6: non
- Catégories Annex III: essentialServices

## Preuves

- [ ] Système de gestion des risques (Compliance)
- [ ] Mesures de supervision humaine (Operations)
- [ ] Canal de contestation ou recours humain (Legal)
- [ ] Gouvernance données et représentativité (Data)

## Roadmap

- Immédiat: Tracer les décisions défavorables
- 60 jours: Assembler le pack d'explicabilité
- 90 jours: Aligner le système qualité high-risk

## Méthodologie

Regulation (EU) 2024/1689 + Commission high-risk guidance checked 2026-07-01 | version 2026.06 | generated 2026-07-01T16:17:25.047Z

- Identify prohibited-practice triggers (Article 5 watchouts): Aucun déclencheur détecté
- Assess Article 6(1) product-safety component applicability: Non applicable
- Map Annex III domains from declared operational use: Domaines Annex III détectés
- Check Article 6(3) significant-risk exception: Non applicable
- Generate evidence obligations and remediation priorities: Sorties conformité générées


Hypothèses et limites

- Classification relies on intake declarations and selected risk triggers.
- Annex III systems are treated as high-risk unless an Article 6(3) exception is explicitly documented.
- Profiling of natural persons or material influence on decisions blocks the Article 6(3) exception.
- Commission high-risk enforcement timeline used: 2 December 2027 for Annex III areas and 2 August 2028 for product-integrated systems.
- Edge cases and product-specific harmonisation laws require manual legal review.

## Matrice de décision

- Pratiques interdites | Article 5 | Non déclenché | No prohibited-practice trigger selected in intake.
- Composant de sécurité produit | Article 6(1) | Non déclenché | No regulated product/safety component declaration.
- Domaine Annex III | Annex III | Déclenché | Matched domains: essentialServices
- Exception Article 6(3) | Article 6(3) | Non déclenché | No documented Article 6(3) exception or the exception is blocked by profiling/material influence.
- Impact droits fondamentaux | Recitals and Articles 9, 10, 14 | Obligatoire | Selected domain can materially affect people rights; structured impact assessment is required.
- Obligations opérationnelles | Articles 9-15 and 72 | Obligatoire | High-risk indicators trigger a full conformity workstream.

## Sources réglementaires

- EU AI Act Article 5 (Prohibited AI practices) | Regulation (EU) 2024/1689, Article 5 | Official Journal L, 2024/1689 | applies 2025-02-02 - https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
- EU AI Act Article 6(1) (High-risk AI systems - product safety component) | Regulation (EU) 2024/1689, Article 6(1) | Official Journal L, 2024/1689 + Commission AI Omnibus timeline | applies 2028-08-02 - https://digital-strategy.ec.europa.eu/en/policies/regulatory-framework-ai
- EU AI Act Article 6(3) (Annex III significant-risk exception) | Regulation (EU) 2024/1689, Article 6(3) | Official Journal L, 2024/1689 + Commission draft high-risk guidelines | applies 2027-12-02 - https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
- EU AI Act Articles 9-15 (Risk management, data governance, technical docs and oversight) | Regulation (EU) 2024/1689, Articles 9-15 | Official Journal L, 2024/1689 + Commission high-risk timeline | applies 2027-12-02 / 2028-08-02 - https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
- EU AI Act Article 72 (Post-market monitoring and incident reporting) | Regulation (EU) 2024/1689, Article 72 | Official Journal L, 2024/1689 + Commission high-risk timeline | applies 2027-12-02 / 2028-08-02 - https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
- EU AI Act Annex III(5) (Essential private and public services) | Regulation (EU) 2024/1689, Annex III(5) | Official Journal L, 2024/1689 + Commission high-risk timeline | applies 2027-12-02 - https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1689
- European Commission high-risk AI guidelines (Draft classification guidance and enforcement timeline) | European Commission, Guidelines for providers and deployers of AI high-risk systems | Commission draft guidance, checked 2026-07-01 | applies 2027-12-02 / 2028-08-02 - https://digital-strategy.ec.europa.eu/en/policies/guidelines-ai-high-risk-systems
- European Commission AI Act timeline (Risk-based approach and application timeline) | European Commission, AI Act policy page | Commission AI Act page, checked 2026-07-01 | applies 2025-02-02 / 2025-08-02 / 2026-08-02 / 2027-12-02 / 2028-08-02 - https://digital-strategy.ec.europa.eu/en/policies/regulatory-framework-ai

## Disclaimers

- Pre-classification support only. Final qualification and conformity decisions require legal/compliance validation.
- Assessment scope is limited to declared use-case context and selected risk triggers.
- This output does not replace legal advice, notified-body review or competent authority guidance.