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financial · SEC Reg BI · Investment Advisers Act · FINRA Rule 3110

Investment Advisory / Wealth Management

Reg BI: AI recommendation must document best interest analysis — receipt or enforcement

—SEC Reg BI + AI robo-advisor examination

Regulatory exposure — commonly overlooked:
Robo-advisor updates model — firm owns Reg BI violation for all clients, vendor owns model update changelog. · Multinationals built for one jurisdiction fail exams in another — one receipt architecture, many filing packs.

TAM / Exposure

$100T+ AUM · robo-advisors mainstream

Insurance lines

E&O · Fidelity · D&O

Exhibit authority

Global External Validation — Reg BI Best Interest AI Pack

Global leaders

SEC · FINRA · Betterment · Wealthfront · BlackRock · ISO · NIST · OECD

FINRA 3110

Supervisory system must review AI recommendations — sample testing requires receipts.

Conflicts of interest

AI recommending proprietary products — disclosure receipt required.

Crypto advisory

AI crypto recommendations — SEC enforcement priority 2026.

[Global / Multi-jurisdiction] Jurisdiction shopping ends

Regulators share examination findings via IAIS, IOSCO, Basel — governance gap in one market triggers another.

[Global / Multi-jurisdiction] Vendor contract forum

AI vendor chooses Delaware law — deployer owns EU, UK, and US state fines simultaneously.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run investment_advisory demo Regulatory calendar Download exhibit pack Verify independently