financial · FTC Act §5 · EEOC Title VII · NAIC Model Bulletin
Sports Handicapping / Picks Services
Refused to issue pick without disclaimer — receipt beats screenshot flex
—Pick seller + handicapper marketing liability
Regulatory exposure — commonly overlooked:
Capper rents Lambo — capper owns FTC substantiation, not the car lessor. · Federal agencies disagree on AI approach — but examiners agree internal logs are insufficient.
TAM / Exposure
Miami flex economy · picks packages $200–2k/wk
Insurance lines
E&O · Advertising liability
Exhibit authority
US Federal Exhibit — Handicapping Disclosure + Refusal Pack