The European Central Bank has published an own-initiative opinion on the European Commission’s proposal to amend the Artificial Intelligence Act to simplify its implementation. While supporting the simplification objective, the ECB argues that the amended framework should more clearly separate prudential supervision of banks from AI Act market surveillance and should enable practical coordination between the two. The opinion stresses that conformity assessments, breach identification and enforcement under the AI Act sit with market surveillance authorities, not the ECB in its prudential supervisory role. To avoid duplication and inconsistent outcomes for credit institutions, the ECB proposes an explicit legal basis for reciprocal information sharing between the ECB and national market surveillance authorities, subject to professional secrecy and need-to-know safeguards, and would extend reporting duties so relevant market surveillance findings are also shared with banking competent authorities. On scope, it calls for further clarification of which techniques are “high-risk” for credit scoring, recommending that generalised linear models such as linear or logistic regression should be expressly excluded when used solely under human supervision, and flags potential conflicts where internal models under the Capital Requirements Regulation are not high-risk while related credit scoring systems are. It also proposes involving the European Banking Authority, the European Securities and Markets Authority and the European Insurance and Occupational Pensions Authority in Commission guidance relevant to regulated financial firms. The ECB has published a related technical working document setting out specific drafting proposals to amend the AI Act provisions and Annex III.
European Central Bank 2026-03-13
European Central Bank issues opinion on EU AI Act simplification proposal with bank supervision information sharing and credit scoring model carve outs
The European Central Bank (ECB) has issued an opinion on amending the Artificial Intelligence Act, advocating for clearer separation between bank supervision and AI market surveillance. The ECB suggests legal provisions for information sharing with national market surveillance authorities and calls for clarification on "high-risk" credit scoring techniques. It recommends excluding certain models from high-risk classification and involving other European financial authorities in guidance for regulated firms.