healthcare · HIPAA · FDA SaMD guidance · EU AI Act Annex III
Funeral / Death Care AI
AI obituary/grief bot liability — wrongful infliction of emotional distress claims rising
—FTC funeral rule + state board enforcement
Regulatory exposure — commonly overlooked:
Funeral home owns AI error — vendor owns 'memorial tech' disclaimer · Annex III high-risk list covers 8 domains — one vertical per domain minimum for compliance.
TAM / Exposure
$20B US death care
Insurance lines
E&O · Cyber · Sector liability
Exhibit authority
EU AI Act Conformity Pack — Funeral / Death Care AI External Validation Pack
Global leaders
Service Corporation Intl · FTC · NFDA · EU AI Office · EDPB · European Parliament
Grief bot litigation
Character.AI parallel — AI grief counselor said what to family at worst moment.
State board
Funeral directors licensed — AI without documentation loses license
[European Union] FRIA requirement
Fundamental rights impact assessment for public/high-risk — exhibit pack maps to FRIA.
[European Union] PLD strict liability
Dec 2026 product liability directive — software and AI explicitly included.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →