Rights Check

Which AI rules protect you?

103 rules in 11 places · Checked October 12, 2026 · Not legal advice

Showing Germany, plus the rules of European Union that apply there.

When AI decides about a loan, a flat, insurance or care

4 rules

Rules for automated decisions about customers, and for prices set by algorithms.

Back to the rules
European UnionFrom December 2, 2027

Treat AI credit scoring and insurance pricing as high-risk

If you use AI to judge people’s creditworthiness or set their credit score, or to assess risk and set prices for life or health insurance, first assess its impact on people’s rights. Then follow the maker’s instructions, have trained staff oversee it, keep its logs for at least six months and tell people it is used in decisions about them. AI used only to detect fraud is excluded.

Who must do it
Banks, lenders, insurers and other businesses using such AI in the EU; the makers must pass a conformity assessment before selling it. AI on the market before then is covered only after a significant design change.
The law
AI Act, Annex III point 5(b) and (c) and Articles 26 and 27 (date set by Regulation (EU) 2026/1744)
Who enforces it
National authorities; fines up to €15 million or 3% of worldwide turnover, whichever is higher (whichever is lower for SMEs and small mid-caps).
Starts
December 2, 2027
AI Act, Annex III (EU AI Act Service Desk)

It applies in Germany because Germany is part of the European Union.

Good to know in Germany: In Germany, the Federal Network Agency (Bundesnetzagentur) enforces the EU AI Act, under the KI-MIG law in force since July 29, 2026. BaFin covers finance, and state authorities cover the media. KI-MIG (Gesetze im Internet)

A summary of the official text, not legal advice.

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Checked October 12, 2026Corrections