ExampleGuidancev1.0.0

Credit scoring and telematics premiums remain permitted

A lender assesses creditworthiness on the basis of income, expenses and other financial and economic circumstances. An insurer raises the premium of a driver whose telematics data show persistent speeding.

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-kredietscoring-en-telematica-buiten-verbod
Payload hash (sha256): 95b5c5219bd8df03d5e381c97f95c2cd1f99ba08d0735bc7414ee24b7014163a

Citation line

Praxikon, "Credit scoring and telematics premiums remain permitted", praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod@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 95b5c5219bd8df03d5e381c97f95c2cd1f99ba08d0735bc7414ee24b7014163a

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.
- Guidelines on prohibited AI practices, C(2025) 5052 final
  Locator: Commission Guidelines C(2025) 5052 final, 29.7.2025, worked examples under Article 5
  praxikon:eu:ai-act:source:commission-prohibited-practices-guidelines
  Open official source
Via
No condition or exception recorded on this object.
Consequence
- ObligationArticle 5: prohibited practices
  praxikon:eu:ai-act:obligation:article-5-prohibited-practices

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.
- Guidelines on prohibited AI practices, C(2025) 5052 final
  Locator: Commission Guidelines C(2025) 5052 final, 29.7.2025, worked examples under Article 5
  praxikon:eu:ai-act:source:commission-prohibited-practices-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 guidelines on prohibited AI practices treat this case as a worked example under Article 5. The document is non-binding: authoritative interpretation rests with the Court of Justice.
- Locator: Commission Guidelines C(2025) 5052 final, 29.7.2025, worked examples under Article 5praxikon:eu:ai-act:source:commission-prohibited-practices-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.

Scoring is allowed where you use only data relevant to the purpose and the consequence stays proportionate, and sectoral rules prescribing which data count as relevant provide your strongest justification.
- Locator: Commission Guidelines C(2025) 5052 final, 29.7.2025, worked examples under Article 5praxikon:eu:ai-act:source:commission-prohibited-practices-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 telematics premiums remain permitted",
praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod@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 95b5c5219bd8df03d5e381c97f95c2cd1f99ba08d0735bc7414ee24b7014163a,
https://www.praxikon.com/en/verkenner/example/example-kredietscoring-en-telematica-buiten-verbod
(https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-kredietscoring-en-telematica-buiten-verbod&effective_at=2026-08-08&known_at=2026-08-08&lang=en, accessed 2026-08-25)

Short form

praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod@1.0.0 (sha256 95b5c521)

BibTeX

@misc{praxikon-eu-ai-act-example-example-kredietscoring-en-telematica-buiten-verbod-1-0-0,
  author       = {{Praxikon}},
  title        = {Credit scoring and telematics premiums remain permitted},
  year         = {2026},
  version      = {1.0.0},
  number       = {praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod},
  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 95b5c5219bd8df03d5e381c97f95c2cd1f99ba08d0735bc7414ee24b7014163a},
  url          = {https://www.praxikon.com/en/verkenner/example/example-kredietscoring-en-telematica-buiten-verbod},
  urldate      = {2026-08-25},
  language     = {en}
}

CSL JSON

[
  {
    "id": "praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod@1.0.0",
    "type": "dataset",
    "title": "Credit scoring and telematics premiums remain permitted",
    "container-title": "AI Act Change & Evidence Graph",
    "publisher": "Praxikon",
    "version": "1.0.0",
    "number": "praxikon:eu:ai-act:example:example-kredietscoring-en-telematica-buiten-verbod",
    "URL": "https://www.praxikon.com/en/verkenner/example/example-kredietscoring-en-telematica-buiten-verbod",
    "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 95b5c5219bd8df03d5e381c97f95c2cd1f99ba08d0735bc7414ee24b7014163a; retrieved_from https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-kredietscoring-en-telematica-buiten-verbod&effective_at=2026-08-08&known_at=2026-08-08&lang=en; licence https://www.praxikon.com/nl/legal/terms"
  }
]

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