Updated July 2026  ยท  V4

This tool reflects the Digital Omnibus amendments given final approval by the Council of the EU on 29 June 2026, subject to formal publication in the Official Journal of the European Union. This is not a blanket delay of the EU AI Act: only the high-risk tier (Annex III and Annex I) deadlines were deferred. Article 50 transparency obligations remain live from 2 August 2026. See the phased timeline inside the tool.

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KKCCP - Collaborative Compliance Practice

EU AI Act Classification Tool

Free tool from KKCCP for Founders, CEOs, Chief Compliance Officers, CISOs and Board leaders at regulated financial services organisations. Maps EU AI Act across UK, EU & US frameworks.

Built for financial services EU, UK, US and ISO frameworks Not legal advice

How it works

1

Tell us about your AI system

Answer four core questions about your Organisation, jurisdiction, role and the type of AI system you are classifying.

2

We apply the classification logic

The tool applies EU AI Act Annex III logic, profiling rules, prohibited practices checks and jurisdiction-specific frameworks.

3

Receive your classification

You get a colour-coded risk classification, plain English explanation, specific obligations, compliance deadlines and recommended next steps.

Built for regulated financial services professionals

Founders and CEOs

Chief Compliance Officers

Chief Risk Officers

CISOs

Compliance and Risk Leaders

Boards and Senior Management

What you will receive

A clear, actionable classification result based directly on EU Regulation 2024/1689

HIGH RISK

Annex III Point 5(b) of Regulation (EU) 2024/1689 - Creditworthiness assessment and credit scoring

Why this classification applies: Credit scoring and lending decision AI is classified as high risk under Annex III Point 5(b) of Regulation (EU) 2024/1689. Under the Digital Omnibus amendments given final approval by the Council of the EU on 29 June 2026, your obligations as a Deployer apply from 2 December 2027, subject to publication in the Official Journal. Article 50 transparency obligations are unchanged and apply from 2 August 2026.

Sample obligations include:

Human oversight required Log retention 6 months FRIA before deployment Follow provider instructions

This is a sample result for illustration only. Your actual result depends on your specific answers.

Multi-Framework AI Risk Alignment

Covering regulatory frameworks across EU, UK, US and international standards

EU
EU AI Act
UK
FCA Consumer Duty SM&CR UK GDPR
US
NIST AI RMF Colorado AI Act CFPB Illinois Human Rights Act
INTERNATIONAL ISO STANDARDS
ISO 42001 ISO 23894 ISO 42005

Ready to classify your AI systems?

Free. No account required. Takes under three minutes.

KKCCP EU AI Act Classification Tool

V4  ยท  July 2026