ExampleGuidancev1.0.0

Credit scoring and fraud detection at the same bank

A lender uses a model that gives individual applicants a score on which the acceptance decision rests. The same institution also runs a separate model that flags suspicious transactions for fraud investigation.

The official source remains authoritative. This is general information about obligations and not legal advice. See this object on the map

Address and citation

This object has an address of its own that is never renamed or reused. Store the identifier in your own file, not the title or the link.

Identifier: praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie
Payload hash (sha256): 5a1a997b620fa26e8adefd9d483829d1806f32c4ed5f49b443938c4e11e5ddaa

Citation line

Praxikon, "Credit scoring and fraud detection at the same bank", praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie@1.0.0, dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0 (schema 1.4.0), effective_at 2026-08-08T00:00:00.000Z, known_at 2026-08-14T00:00:00.000Z, sha256 5a1a997b620fa26e8adefd9d483829d1806f32c4ed5f49b443938c4e11e5ddaa

Version: 1.0.0
Legal time (effective_at): 8 August 2026
Knowledge time (known_at): 8 August 2026
Closed on: Not closed
Topics: examples

Review status: Placed against the official source (8 August 2026). Next check due by 4 February 2027. The check date is the knowledge date of this version; no later recheck has been recorded.

What this object links to

Every relation appears below as a path: from the source with its locator, through the conditions and exceptions of the object carrying the relation, to the consequence. A locator belongs to a statement in the data and not to a relation, so the source is the source anchor of the carrying object.

The obligation this hangs off

1 of 1 shown

The object belongs to this obligation. The source line it hangs off sits there.

Source
Official fact on this object, with its locator.
- Draft guidelines on the classification of high-risk AI systems
  Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex III
  praxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelines
  Open official source
Via
No condition or exception recorded on this object.
Consequence
- ObligationAnnex III: high-risk AI
  praxikon:eu:ai-act:obligation:annex-iii-high-risk

What this object is about

2 of 2 shown

The object is about this role. Undifferentiated: it does not follow that the duty rests on this role.

Source
Official fact on this object, with its locator.
- Draft guidelines on the classification of high-risk AI systems
  Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex III
  praxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelines
  Open official source
Via
No condition or exception recorded on this object.
Consequence
- ActorDeployer
  praxikon:eu:ai-act:actor:deployer
- ActorProvider of an AI system
  praxikon:eu:ai-act:actor:provider

What this object states

Official fact

Attributable to a named primary source, with a locator. Where they differ, the official source prevails.

The Commission draft guidelines of 19 May 2026 address this case when determining whether an application falls under Annex III. The document is a consultation version: non-binding and not yet final.
- Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex IIIpraxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelinesOpen official source

Our interpretation

Our own reading. It can change without the law changing, and it is not the position of a supervisory authority.

Assess each model separately against its own intended purpose, since a model scoring a natural person creditworthiness is high-risk while a model whose main intended use is fraud detection falls outside.
- Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex IIIpraxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelinesOpen official source

When this applies

No condition recorded on this object.

When this does not apply

No exception recorded on this object.

Referring to this object

Citation block

Copy this reference into your advice, article or file. The identifier, the version and the hash keep the statement findable later, even once the dataset has moved on.

Reference

Praxikon, "Credit scoring and fraud detection at the same bank",
praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie@1.0.0,
dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0 (schema 1.4.0),
effective_at 2026-08-08T00:00:00.000Z, known_at 2026-08-08T00:00:00.000Z,
sha256 5a1a997b620fa26e8adefd9d483829d1806f32c4ed5f49b443938c4e11e5ddaa,
https://www.praxikon.com/en/verkenner/example/example-kredietscore-versus-fraudedetectie
(https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-kredietscore-versus-fraudedetectie&effective_at=2026-08-08&known_at=2026-08-08&lang=en, accessed 2026-08-25)

Short form

praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie@1.0.0 (sha256 5a1a997b)

BibTeX

@misc{praxikon-eu-ai-act-example-example-kredietscore-versus-fraudedetectie-1-0-0,
  author       = {{Praxikon}},
  title        = {Credit scoring and fraud detection at the same bank},
  year         = {2026},
  version      = {1.0.0},
  number       = {praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie},
  howpublished = {AI Act Change \& Evidence Graph, dataset 2.1.0, schema 1.4.0},
  note         = {effective_at 2026-08-08T00:00:00.000Z; known_at 2026-08-08T00:00:00.000Z; sha256 5a1a997b620fa26e8adefd9d483829d1806f32c4ed5f49b443938c4e11e5ddaa},
  url          = {https://www.praxikon.com/en/verkenner/example/example-kredietscore-versus-fraudedetectie},
  urldate      = {2026-08-25},
  language     = {en}
}

CSL JSON

[
  {
    "id": "praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie@1.0.0",
    "type": "dataset",
    "title": "Credit scoring and fraud detection at the same bank",
    "container-title": "AI Act Change & Evidence Graph",
    "publisher": "Praxikon",
    "version": "1.0.0",
    "number": "praxikon:eu:ai-act:example:example-kredietscore-versus-fraudedetectie",
    "URL": "https://www.praxikon.com/en/verkenner/example/example-kredietscore-versus-fraudedetectie",
    "language": "en",
    "issued": {
      "date-parts": [
        [
          2026,
          8,
          8
        ]
      ]
    },
    "accessed": {
      "date-parts": [
        [
          2026,
          8,
          25
        ]
      ]
    },
    "note": "dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0; schema 1.4.0; effective_at 2026-08-08T00:00:00.000Z; known_at 2026-08-08T00:00:00.000Z; sha256 5a1a997b620fa26e8adefd9d483829d1806f32c4ed5f49b443938c4e11e5ddaa; retrieved_from https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-kredietscore-versus-fraudedetectie&effective_at=2026-08-08&known_at=2026-08-08&lang=en; licence https://www.praxikon.com/nl/legal/terms"
  }
]

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