---
title: EBA Maps EU AI Act to Existing Banking and Payments Rules
description: EBA Maps EU AI Act to Existing Banking and Payments Rules
---

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# [EBA Maps EU AI Act to Existing Banking and Payments Rules](https://www.plenitudeconsulting.com/news-insights/eba-maps-eu-ai-act-to-existing-banking-and-payments-rules)

 Written by [Insight & Partnership Team](https://www.plenitudeconsulting.com/news-insights/author/insight-partnership-team) | Dec 1, 2025 10:12:20 AM

 

The publication aims to provide early insights into how high-risk AI requirements will interact with financial services rules. 

Key points include: 

➡️ The AI Act establishes EU-wide rules to promote safe and responsible AI, with requirements tailored according to whether a firm builds the AI system or uses one developed by a third party. 

➡️ The EBA found no significant contradictions between the AI Act and existing EU banking and payments legislation, noting the frameworks complement each other. 

➡️ With both financial regulators and Market Surveillance Authorities (MSAs) overseeing compliance, the EBA flags the need for strong supervisory coordination. 

➡️ Firms may need to adjust processes to align AI Act obligations, especially around high-risk AI used in credit scoring and creditworthiness assessments. 

➡️ The European Commission will publish guidelines on high-risk classifications by February 2026, shaping how firms determine which AI systems fall under stricter rules. 

➡️ The EBA will focus on supporting consistent implementation through supervisory cooperation and contributions to the EU AI Office and AI Board. 

✅ Firms should begin assessing AI governance, and mapping controls against upcoming high-risk requirements to ensure alignment with the evolving EU AI framework. 

💡 At Plenitude, our AI Assurance Services help clients realise the benefits of AI while managing risks, supported by world-leading expertise. Reach out directly or visit our website for more information: [https://www.plenitudeconsulting.com/services/ai-assurance-services](https://www.plenitudeconsulting.com/services/ai-assurance-services)   

 

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