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AIF-C01 Practice Question: A financial institution is building a model to…
A financial institution is building a model to approve loan applications. They must comply with the EU AI Act, which classifies credit scoring as a high-risk AI system. Which requirement is the MOST likely to apply under the EU AI Act?
⚠ Common exam trap
The trap is assuming specific technical mandates (95% accuracy, SHAP, EU-only data) that the EU AI Act does not require; candidates must focus on the actual high-risk requirements like human oversight.
Answer choices
Why each option matters
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
The system must be able to be overridden or stopped by a human
Under the EU AI Act, high-risk AI systems (including credit scoring) must ensure human oversight, meaning the system can be overridden or stopped by a human. This is a core requirement in Article 14, ensuring meaningful human control over high-risk decisions. Other requirements include risk management, data governance, and transparency, but human oversight is explicitly mandated.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✗
The model must be trained exclusively on data from within the EU
Why it's wrong here
The EU AI Act imposes no data-residency or EU-origin training requirement; it governs risk management, data governance, and oversight regardless of where data originates. Data localisation is tempting because GDPR restricts transfers, but that is a separate regime, not an AI Act high-risk obligation.
- ✗
The model must achieve a minimum accuracy of 95%
Why it's wrong here
The AI Act sets no numeric accuracy threshold; high-risk obligations concern risk management, data governance, logging, and human oversight. A 95% target is tempting because accuracy feels like the obvious quality metric, but it is a performance goal, not a regulatory requirement.
- ✓
The system must be able to be overridden or stopped by a human
Why this is correct
High-risk AI systems under the EU AI Act must allow effective human oversight, including the ability to intervene, override or halt the system. For credit scoring, this means a human can override or stop automated decisions.
- ✗
The system must be explainable using SHAP values
Why it's wrong here
The AI Act requires transparency and explainability appropriate to the context, not a specific technique such as SHAP. SHAP is tempting because it is a common explainability method, and would be a valid implementation choice, but the regulation mandates an outcome, not a named library.
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Senior Network & Security Engineer · founder of Courseiva
Last reviewed September 2026 · checked against the official Amazon Web Services exam blueprint
This AIF-C01 practice question is part of Courseiva's free Amazon Web Services certification practice question bank. Courseiva provides original exam-style practice questions with explanations, topic-based practice, mock exams, readiness tracking, and study analytics to help learners prepare for the AIF-C01 exam.