High-risk classification is only the start. The work changes depending on whether the organisation is the provider placing the system on the market or putting it into service, a deployer using it under its authority, or another operator in the value chain.
Industry teams should avoid pushing all work to either legal or the vendor. The provider usually owns conformity, technical documentation, quality management, logs under its control, registration, CE marking where required, and corrective actions. The deployer owns use according to instructions, human oversight, monitoring, input data under its control, workplace and affected-person notices where applicable, and some registration or impact-assessment duties.
Are all AI tools in banking, HR, healthcare, or education automatically high-risk under the EU AI Act?
No. The AI Act classifies by intended purpose and route, not by industry name alone. A creditworthiness tool, recruitment-screening system, medical-device AI, or admissions-ranking system may be high-risk, while a general drafting assistant or internal analytics tool in the same organisation may fall outside Article 6 high-risk classification unless another AI Act rule applies.
When can an Annex III EU AI Act system be treated as not high-risk?
Article 6(3) allows a non-high-risk result for some Annex III systems that do not pose a significant risk of harm, such as systems limited to narrow procedural, preparatory, improvement, or decision-pattern detection tasks. The provider must document that assessment before market placement or putting into service, register under Article 49(2), and cannot use this route for Annex III systems that perform profiling of natural persons.