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AI regulation in Europe: Your guide to the EU AI Act and Microsoft 365 compliance

Written by Matthias Seidel | Sep 23, 2025 9:15:00 AM

The EU AI Act has officially become law, marking the start of binding AI regulation in Europe. As the world’s first comprehensive legal framework for artificial intelligence, it sets strict rules to ensure AI is safe, transparent, and accountable. Compliance deadlines are already on the horizon, and organizations operating in the EU must act now to prepare.

For businesses relying on Microsoft 365, Copilot, and the Power Platform, this is especially urgent. These tools are becoming central to daily operations, yet they also create compliance challenges: What happens when Copilot supports hiring decisions? How do you govern AI-powered workflows in Power Automate? And how can you prove compliance when regulators come knocking?

This guide explains what the EU AI Act means for your Microsoft environment. We’ll break down the law’s risk-based framework, highlight key compliance obligations, and show how to manage risks in Microsoft 365 and Copilot without slowing innovation.

EU AI Act summary: A quick overview

The EU AI Act entered into force on August 1, 2024, after being published in the Official Journal of the European Union in July. It is the world’s first comprehensive, binding legal framework for artificial intelligence and a cornerstone of the EU’s digital strategy. Its purpose: to ensure that AI systems used in Europe are safe, transparent, traceable, non-discriminatory, and under human oversight.

Unlike a one-size-fits-all law, the EU AI Act applies a risk-based model. The stricter the potential impact of an AI system on society, health, safety, or fundamental rights, the stricter the regulatory requirements.

Scope and purpose: What does the EU AI Act regulate?

The European Union’s Artificial Intelligence Act sets rules to regulate AI across sectors. The law’s primary goal is to foster trust in AI and drive adoption of human-centric innovation while reducing risks. It applies broadly across the AI value chain, covering both providers and users.

Who does it apply to?

  • Providers: Organizations that develop an AI system and place it on the market (e.g., Microsoft).
  • Deployers: Organizations that use an AI system in a professional capacity (this is most of our customers and likely you).
  • Importers/Distributors: Entities that bring AI systems into the EU market.

If your organization uses AI tools to serve customers or for internal processes within the EU, the AI Act applies to you.

EU AI Act risk classification: How are AI systems categorized?

The regulation classifies AI systems into four distinct risk categories. Understanding where your AI use cases fall is the first step toward compliance.

Source: https://www.trail-ml.com/blog/eu-ai-act-how-risk-is-classified 

❌  Unacceptable risk (banned)

These are AI systems considered a clear threat to people's safety and fundamental rights.

Examples include:

  • Social scoring by governments
  • Real-time remote biometric identification in public spaces (with narrow exceptions for law enforcement)
  • Manipulative AI that exploits vulnerabilities.

The AI Act has banned these systems in Europe since February 2025.

⚠️ High-risk AI (strictly regulated)

This is the most critical category for enterprises. High-risk systems cover AI used in physical or virtual environments where safety, rights, or compliance could be impacted. They can also create systemic risk when deployed at scale. These systems are not banned but are subject to strict obligations before they can be put on the market and throughout their lifecycle.

Examples include:

  • AI used in recruitment (CV-sorting, interview analysis)
  • AI for credit scoring and assessing creditworthiness
  • AI in critical infrastructure (e.g., water or energy supply management)
  • AI components in medical devices or vehicles
  • AI used in law enforcement and the justice system

ℹ️ Limited-risk AI (transparency obligations)

This category includes AI systems that interact with humans. The key requirement is transparency. Users must be clearly informed that they are interacting with an AI system or that the content is AI-generated. Microsoft Copilot, in many of its standard use cases, would likely fall into this category.

Examples include:

  • Chatbots for customer support
  • AI-generated content (e.g., deepfakes with disclosure)
  • Microsoft Copilot in everyday productivity tasks

✅ Minimal or no-risk AI (no regulation)

The vast majority of AI systems are expected to be covered by this category. The AI Act does not impose any legal obligations on these systems, though providers may choose to adhere to voluntary codes of conduct.

Examples include:

  • AI-enabled video games
  • Spam filters
  • Inventory management systems

What are the key compliance obligations?

The EU AI Act entered into force on 1 August 2024, but its obligations do not apply all at once. Instead, they are phased in over several years, with key deadlines in 2025, 2026, and 2027. This staged rollout means organizations must prepare in advance: some rules are already binding (like the February 2025 ban on prohibited AI practices), while the most demanding requirements for high-risk AI systems will apply from August 2026. The roadmap below shows the critical milestones you need to track.

Roadmap: EU AI Act enforcement timeline (2024–2027)

2024

2025

  • 2 February 2025: First obligations apply: bans on prohibited AI practices (e.g., social scoring, manipulative AI) and key definitions take effect.
  • 10 July 2025: The European AI Office publishes the final General-Purpose AI (GPAI) Code of Practice. While voluntary, the Code provides practical guidance for providers and can serve as a compliance tool until harmonised EU standards are adopted.
  • 2 August 2025: Obligations start to apply:
    • Obligations begin for general-purpose AI models placed on the market on or after this date.
    • Requirements on governance, transparency, technical documentation, and confidentiality start.
    • Notified bodies must be operational and competent authorities designated.
    • Penalties/fines regimes, under Articles 99-100, must be in place and notified.

2026

  • 2 August 2026: The main application date. Most remaining provisions apply, including the strict obligations for high-risk AI systems:
    • Continuous risk management and technical documentation
    • Data governance and quality requirements
    • Human oversight mechanisms
    • Logging, transparency, and explainability
    • Accuracy, robustness, and cybersecurity safeguards

2027

  • 2 August 2027: Transition period ends for legacy GPAI models placed on the market before 2 August 2025. From this date, all GPAI models must comply. Also, Article 6(1) obligations (classification of high-risk systems embedded in regulated products) and other legacy items come into full effect.

What this means for Microsoft 365 and Copilot

For Microsoft 365, Copilot, and Power Platform environments, two milestones matter:

  • From August 2025, enforcement structures are in place, and GPAI obligations affect Copilot itself.
  • From August 2026, organizations using Copilot in high-risk workflows must meet the Act’s full compliance requirements.

To prepare for these deadlines, organizations using Microsoft 365, Copilot, and the Power Platform should focus on the following compliance priorities:

  1. Rigorous risk management and documentation: You must establish a continuous risk management system throughout the AI system’s lifecycle. This involves identifying, analyzing, and mitigating risks. Detailed technical documentation must be maintained to prove compliance.
  2. Data governance and quality: High-risk systems must be trained on high-quality, relevant, and representative datasets to minimize the risk of bias and discrimination.
  3. Human oversight: Systems must be designed to allow for effective human oversight. This means humans must be able to understand the system's capabilities and limitations, monitor its operation, and have the ability to intervene or override it when necessary.
  4. Logging and auditability: High-risk AI systems must automatically record events (logs) while they are operating. This ensures a level of traceability for post-incident investigations and audits.
  5. Transparency and explainability: Deployers must provide clear instructions for use to their users. It should be possible to understand how the AI system arrived at a particular output, especially for decisions that significantly impact people.
  6. Accuracy, robustness, and cybersecurity: Systems must perform consistently and be resilient against errors or attempts to alter their use or performance.

Why Microsoft environments deserve special attention

The abstract principles of the AI Act become very real when applied to the tools your organization uses every day. The Microsoft ecosystem (including Microsoft 365, the Power Platform, and Copilot) is a powerful engine for productivity, but it's also a complex environment where AI is being deployed at an unprecedented scale.

Data governance alone isn’t enough

Most organizations approach compliance through the lens of data governance: classifying and protecting sensitive content with tools like Microsoft Purview. While essential, data-level protection alone does not address how AI systems are created, deployed, and managed. The AI Act also requires service-level accountability across Teams, SharePoint sites, Power Automate flows, and Copilot agents.

When limited-risk becomes high-risk

Microsoft Copilot is often a limited-risk AI system. However, it can easily become part of a high-risk workflow. If a manager uses Copilot to summarize performance reviews to help make promotion decisions, that entire process could be classified as high-risk. Similarly, a Power Automate flow that uses AI Builder to screen job applications falls squarely into the high-risk category.

At that point, compliance depends not only on data security but also on whether you have service governance structures to control the services, agents, and automations that drive those workflows.

AI governance as service governance

This is where AI governance becomes inseparable from service governance. Unmanaged Copilot Studio agents, orphaned Power Automate flows, or shadow AI apps created by business users can all create compliance risks under the AI Act. Without centralized visibility and lifecycle control, these resources slip through the cracks, undermining both compliance and security.

Key risks for Microsoft 365 and Copilot environments

To understand why service governance is essential, it helps to look at the concrete risks organizations face when deploying AI in Microsoft 365.

Shadow AI and sprawl

The ease of use of tools like Power Platform and Copilot Studio empowers business users to create their own AI-powered solutions. Without centralized visibility, "shadow AI agents" and unmanaged apps can proliferate, creating unknown compliance and security risks.

Misinformation from unreliable content

Copilot pulls information from across your M365 tenant. If your environment is cluttered with outdated documents, duplicated files, and conflicting information (a state we call "information chaos"), Copilot can generate inaccurate or misleading summaries. This leads to poor business decisions and potential misinformation.

Weak data governance and access controls

For AI to operate safely, underlying data must be properly secured. Who can Copilot surface sensitive documents to? How do you prevent unauthorized access? Weak access controls or poor information architecture can lead to data leaks, GDPR violations, and AI Act breaches. Staying compliant requires a multi-faceted approach, often involving tools like Microsoft Purview alongside a robust governance platform.

Lack of lifecycle management

Compliance also depends on governing services and workflows. Without rules for ownership, provisioning, and decommissioning, organizations risk orphaned apps, overexposed permissions, and unmanaged AI agents. These issues directly undermine compliance with the AI Act.

EU AI Act compliance checklist: 7 steps to prepare

Navigating the new AI regulation in Europe requires a proactive, structured approach. It's about building a sustainable governance framework that enables safe and effective AI adoption. Here’s a clear roadmap for how to comply with the EU AI Act in Microsoft 365 environments.

1. Inventory and classify your AI systems

Your first step is to achieve complete visibility. You need a comprehensive inventory of all AI systems and AI-powered workflows operating within your organization, especially across your Microsoft 365 and Power Platform tenants.

  • What to do: Identify every application, workflow, and agent that uses AI. This includes commercial off-the-shelf tools like Copilot, custom-built solutions on Power Platform, and third-party integrations.
  • How Rencore helps: As a comprehensive governance solution, Rencore provides a 360° inventory across your entire Microsoft cloud. We automatically discover and catalog every resource from Power Apps and Automate flows to Copilot agents, giving you the foundational visibility needed to begin classification.

2. Map high-risk workflows

Once you have an inventory, you must assess the risk of each AI use case against the AI Act’s criteria. This isn't about the technology itself, but how it's applied.

  • What to do: Analyze the business context for each AI system. Is it being used for recruitment? Financial decision-making? Customer service? Document this mapping carefully. A simple chatbot on your intranet is minimal risk, but the same technology used to pre-screen loan applications is high-risk.
  • How Rencore helps: With a full inventory, you can tag and categorize applications based on their business purpose and risk level. This allows you to focus your governance efforts where they are needed most, on the high-risk systems that require strict oversight.

3. Define and enforce AI governance policies

Clear rules are essential for safe AI adoption. Your organization needs a formal AI governance policy that outlines acceptable use, data handling standards, transparency requirements, and the process for reviewing and approving new AI solutions.

  • What to do: Create policies that align with the AI Act's requirements for high-risk systems (e.g., mandating human review for all AI-driven HR decisions). Communicate these policies clearly across the organization.
  • How Rencore helps: Rencore Governance allows you to translate your policies into automated rules. You can create policies to detect unauthorized AI agents, flag Power Apps using sensitive data connectors, or automatically trigger access reviews for high-risk workspaces.

4. Automate monitoring and documentation

Compliance is an ongoing process. The EU AI Act requires continuous monitoring and detailed logging for high-risk systems. Manual checks are simply not scalable or reliable enough.

  • What to do: Implement systems to continuously monitor your AI landscape for policy violations, track usage, and maintain detailed audit trails of all activities.
  • How Rencore helps: Our platform provides continuous AI monitoring and a full audit trail. We log all app and service activity, access changes, and lifecycle events. Our customizable dashboards give you real-time insights, and automated violation checks ensure you're always aware of emerging risks.

5. Manage lifecycle of AI resources

Uncontrolled sprawl creates risk. Orphaned Teams, flows, or Copilot agents can remain active long after they are needed, exposing sensitive data and breaching compliance.

  • What to do: Establish lifecycle policies: archive inactive Teams and SharePoint sites, disable orphaned AI agents, and require ownership recertifications.
  • How Rencore helps: Rencore automates lifecycle management by detecting unused resources and triggering cleanup actions or owner confirmations.

6. Ensure cost transparency and optimization

AI adoption also drives costs, from Copilot licenses to storage consumption. Without transparency, budgets can spiral, and unmanaged services increase compliance risk.

  • What to do: Track AI-related costs and tie them back to ownership and activity. Optimize licenses and storage based on actual use.
  • How Rencore helps: Rencore links costs (storage, licenses, Copilot usage) to owners and activity, enabling cost control and compliance reporting in one place.

7. Stay audit-ready with a centralized governance platform

When regulators or auditors come knocking, you need to be able to demonstrate compliance quickly and confidently. This means having all your documentation, risk assessments, policies, and audit logs in one accessible place.

  • What to do: Consolidate your governance efforts into a single source of truth. This prevents fragmented oversight and ensures that your compliance posture is consistent and easy to prove.
  • How Rencore helps: Rencore Governance acts as your central command center for Microsoft cloud governance. From inventory and risk classification to policy enforcement and audit trails, our platform provides the end-to-end capabilities you need to align with the EU AI Act and stay perpetually audit-ready.

Beyond the AI Act: Other European AI laws and regulations

The EU AI Act is a landmark, but it isn’t the only regulation across the European Union that shapes how AI must be deployed responsibly in Microsoft environments. Here are the most important ones to keep on your radar:

GDPR (General Data Protection Regulation)

The GDPR is the EU’s core framework for personal data protection.

  • Why it matters: AI systems like Copilot often process personal data when summarizing emails, documents, or chats. GDPR still governs how that data must be collected, stored, and protected.
  • Quick tip for Microsoft 365: Make sure data classification and access controls are in place. Copilot should not be able to surface sensitive personal data to unauthorized users. For more details, see our article Understanding EU GDPR from an Office 365 Perspective.

Digital Services Act (DSA)

The DSA regulates transparency and accountability for algorithmic systems, especially large online platforms.

  • Why it matters: While it targets consumer-facing platforms, its principles spill over to enterprise AI use.
  • Quick tip for Microsoft 365: Be prepared to explain how Copilot-generated outputs are created. Transparency obligations in the AI Act align closely with DSA principles.

Data Act (DA)

The Data Act governs access to and sharing of non-personal data generated by connected devices and services.

  • Why it matters: For AI, this ensures fair access to high-quality datasets.
  • Quick tip for Microsoft 365: If your AI workflows rely on external or IoT data sources, ensure that data contracts and integrations comply with the Data Act’s access and sharing requirements.

AI Liability Directive (proposed)

The AI Liability Directive is a proposal to make it easier to claim damages caused by AI systems.

  • Why it matters: It complements the AI Act by making it easier for individuals or companies to claim damages caused by AI systems.
  • Quick tip for Microsoft 365: Document decision-making processes and AI usage (e.g., Copilot in HR or finance). Good documentation is not just an AI Act requirement. It’s also your best defense if liability claims arise.

Conclusion: Turn the European AI regulation into opportunity

While many discussions about AI regulations around the world focus on constraints, the EU AI Act should be viewed as a framework for building trust. It provides a clear roadmap for responsible innovation. For organizations that get it right, compliance is more than a legal obligation. It's a competitive differentiator that signals trustworthiness to customers and empowers employees to use AI confidently.

The journey to compliance begins with visibility and control. By understanding your AI footprint, classifying risks, and implementing automated governance, you can unlock the immense potential of tools like Microsoft Copilot and the Power Platform safely and effectively.

Get your organization ready for the EU AI Act. Discover how Rencore simplifies AI governance across Microsoft 365 and Power Platform and helps you build a future-proof, compliant governance strategy.

 

Frequently asked questions (FAQ)

What is the EU AI Act?

The EU AI Act is the world's first comprehensive law regulating artificial intelligence. It follows a risk-based approach, imposing stricter rules on AI systems that pose a higher risk to safety or fundamental rights. Its goal is to ensure AI is safe, transparent, and trustworthy.

Who does the EU AI Act apply to?

It applies to both providers who develop and place AI systems on the EU market and deployers (organizations) that use AI systems in a professional capacity within the EU, regardless of where the provider or deployer is based.

What are high-risk AI systems?

High-risk AI systems are those used in sensitive contexts, like recruitment, credit scoring, critical infrastructure, medical devices, or law enforcement. They must comply with strict obligations around risk management, documentation, transparency, and human oversight before deployment.

When does the EU AI Act take effect?

The AI Act entered into force in August 2024. Prohibited practices are banned from February 2025, GPAI obligations apply from August 2025, most high-risk requirements start in August 2026, and legacy GPAI models must comply by August 2027.

Does the EU AI Act apply to Microsoft Copilot?

Yes, depending on use. Copilot is typically limited-risk, requiring transparency. But if integrated into high-risk workflows, like candidate screening or performance reviews, the entire process becomes high-risk, and your organization must meet strict compliance obligations.

How can I prepare for AI regulation in Europe?

Start with a full inventory of AI systems, classify risks, and document high-risk workflows. Implement policies, ensure human oversight, and automate monitoring. Use governance tools like Rencore to centralize compliance, control costs, and stay audit-ready.