Industries · Financial Services · Record Substrate
Your AI agents are making decisions the regulator will ask you to explain.
Financial institutions are moving agentic systems from experimentation toward production. Few have the infrastructure to govern them. When the first incident arrives, one question determines the outcome.
§ 01 Why now
Can your organization answer the audit question today?
2026 to 2027
Enforcement. Cost becomes concrete.
EU AI Act high-risk obligations for Annex III systems apply 2 December 2027, extended by the Digital Omnibus from the original 2 August 2026 trigger.
SR 26-2 supersedes SR 11-7 with its scope expressly excluding agentic AI, leaving governance of those systems to each bank's own practice.
The audit question
If a regulator asked you to reconstruct every decision your agents made last quarter, what would you show them?
§ 02 Use cases
Where the record substrate lands first.
Wealth management
Persistent agents that build governed context across every client interaction. Advisors focus on judgment. Agents handle continuity with a full audit trail.
Credit and underwriting
AI-assisted review with a decision trail reviewable by credit officers, compliance teams, and regulators. Speed with accountability, not instead of it.
Client onboarding
Agents within explicitly defined authority boundaries, with documentation at every step. Faster onboarding, cleaner compliance records, no reconstruction after the fact.
See what the substrate is made of on the product page →
§ 03 Regulatory protection
Measured against the frameworks.
Existing regulatory frameworks point toward a common expectation: AI-driven decisions must be explainable, governed, reviewable, and attributable. This material does not constitute legal or regulatory advice. Organizations should assess their specific obligations with qualified counsel.
Sources: SR 26-2 (Federal Reserve, 17 Apr 2026); EU AI Act (Reg (EU) 2024/1689, Art 12 and Art 13); DORA (Reg (EU) 2022/2554). Informational, not legal advice.
The question we help you answer