Article 27 is triggered before deployment of a high-risk AI system referred to in Article 6(2), meaning an AI system listed in Annex III. The article excludes high-risk AI systems intended for the critical-infrastructure area listed in Annex III point 2.
The deployer must be in one of the covered categories: a body governed by public law, a private entity providing public services, or a deployer of Annex III point 5(b) or 5(c) systems. Point 5(b) covers systems used to evaluate the creditworthiness of natural persons or establish a credit score, except systems used to detect financial fraud. Point 5(c) covers risk assessment and pricing for natural persons in life and health insurance.
A provider's documented Article 6(3) conclusion that an Annex III system is not high-risk removes the Article 27 trigger unless that classification is later rejected or the system changes. The deployer should obtain that assessment and its Article 49(2) registration evidence rather than assuming every Annex III-labelled product requires a FRIA.
Regulation (EU) 2026/1744 was published on 24 July 2026 and enters into force on 27 July 2026. It moves Chapter III Sections 1 to 3 to 2 December 2027 for Article 6(2) Annex III systems. Article 111 contains separate transition rules for systems placed on the market or put into service before the applicable date, including a 2 August 2030 deadline for high-risk systems intended for use by public authorities. Keep the classification route, applicable provision, system history, and date conclusion in the FRIA scope record.