EEG cross-frequency amplitude-amplitude correlation (CF-AAC) has been considered as a potential marker of social anxiety and other affective disturbances. Functional significance of this phenomenon remains unclear, partly because the majority of studies used channel-level analysis, which precluded the spatial localization of observed effects. It is not also clear whether CF-AAC may serve as a marker of specific pathological conditions and specific states, or a more general predisposition to affective disturbances. We used source-level analysis of EEG data obtained in resting conditions in a nonclinical sample and patients with major depressive disorder (MDD) and investigated associations of CF-AAC measures with a broad range of known risk factors for affective disorders, including age, gender, genotype, stress exposure, personality, and self-reported 'neurotic' symptomatology. A consistent pattern of associations showed that all investigated risk factors were associated with an enhancement of CF-AAC in cortical regions associated with emotional and self-referential processing. It could be concluded that CF-AAC is a promising candidate marker of a general predisposition to affective disorders at preclinical stages.