- A
Limited risk
Why wrong: Limited risk applies to systems with specific transparency obligations, such as chatbots.
- B
Minimal risk
Why wrong: Minimal risk is a residual category for all other AI systems.
- C
General purpose AI
Why wrong: General purpose AI is a separate category not directly tied to risk tiers.
- D
High risk
Credit scoring is explicitly listed as a high-risk AI system in Annex III.
- E
Unacceptable risk
Why wrong: Unacceptable risk includes systems like social scoring by public authorities, not credit scoring.
Question 216 of 1,000
AI0-001 EU AI Act risk categories Practice Question
This AI0-001 practice question tests your understanding of ai governance and ethics. Read the scenario carefully and evaluate each option against the stated constraints before committing to an answer. A key principle to apply: eU AI Act risk categories. Once you have made your selection, read the full explanation to reinforce the concept and understand why each distractor is designed to mislead on exam day.
A company is adopting the EU AI Act's risk-based approach. They are classifying an AI system used for credit scoring. Which TWO risk tiers apply to credit scoring according to the Act?
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
✓
High risk
Under the EU AI Act, credit scoring systems are classified as high risk because they determine access to financial resources and can significantly impact individuals' lives. This classification is based on the system's use in evaluating creditworthiness, which falls under Annex III's list of high-risk AI applications. Therefore, Option D is correct. The other options are not applicable: limited risk involves transparency obligations, minimal risk is for systems with little impact, general-purpose AI is a separate category, and unacceptable risk includes social scoring by governments.
Key principle: EU AI Act risk categories
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✗
Limited risk
Why it's wrong here
Limited risk applies to systems with specific transparency obligations, such as chatbots.
- ✗
Minimal risk
Why it's wrong here
Minimal risk is a residual category for all other AI systems.
- ✗
General purpose AI
Why it's wrong here
General purpose AI is a separate category not directly tied to risk tiers.
- ✓
High risk
Why this is correct
Credit scoring is explicitly listed as a high-risk AI system in Annex III.
Related concept
EU AI Act risk categories
- ✗
Unacceptable risk
Why it's wrong here
Unacceptable risk includes systems like social scoring by public authorities, not credit scoring.
Common exam traps
Common exam trap: answer the scenario, not the keyword
Candidates often mistakenly think credit scoring is limited risk due to its commonality, but the EU AI Act explicitly lists it as high risk because of its impact on financial access and potential for bias.
Detailed technical explanation
How to think about this question
The EU AI Act's risk-based approach categorizes AI systems based on their potential harm to health, safety, and fundamental rights. Credit scoring systems are high risk because they involve profiling and can lead to discrimination or exclusion, requiring conformity assessments, human oversight, and transparency measures. A real-world scenario is a bank using an AI model to deny loans; this triggers obligations under the Act, including risk management and data governance.
KKey Concepts to Remember
- EU AI Act risk categories
- High-risk AI system
TExam Day Tips
- Watch for words such as best, first, most likely and least administrative effort.
- Review why wrong options are wrong, not only why the correct option is correct.
Key takeaway
EU AI Act risk categories
Real-world example
How this comes up in practice
A practitioner preparing for the AI0-001 exam encounters this exact type of scenario on the job. The correct answer here is not the most general option — it is the best answer for the specific constraint described. EU AI Act risk categories Real exam questions reward reading the full scenario before eliminating options, because the constraint defines which answer fits.
What to study next
Got this wrong? Here's your next step.
Review eU AI Act risk categories, then practise related AI0-001 questions on the same topic to reinforce the concept.
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FAQ
Questions learners often ask
What does this AI0-001 question test?
AI Governance and Ethics — This question tests AI Governance and Ethics — EU AI Act risk categories.
What is the correct answer to this question?
The correct answer is: High risk — Under the EU AI Act, credit scoring systems are classified as high risk because they determine access to financial resources and can significantly impact individuals' lives. This classification is based on the system's use in evaluating creditworthiness, which falls under Annex III's list of high-risk AI applications. Therefore, Option D is correct. The other options are not applicable: limited risk involves transparency obligations, minimal risk is for systems with little impact, general-purpose AI is a separate category, and unacceptable risk includes social scoring by governments.
What should I do if I get this AI0-001 question wrong?
Review eU AI Act risk categories, then practise related AI0-001 questions on the same topic to reinforce the concept.
What is the key concept behind this question?
EU AI Act risk categories
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Last reviewed: Jul 4, 2026
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