financial · Revised FADP · FINMA AI guidance · Swiss AI policy
Payday Lending / EWA Credit
Refused to fund — adverse action receipt for deployer file
—Predatory lending AI underwriting scrutiny
Regulatory exposure — commonly overlooked:
Lender uses AI score — lender owns usury finding, vendor owns model card theater. · Swiss reinsurance hub — Munich Re, Swiss Re need asymmetry data with Swiss privacy compliance.
TAM / Exposure
Grey-adjacent consumer finance · impulse borrow
Insurance lines
E&O · Consumer finance
Exhibit authority
Switzerland FINMA AI Pack — Predatory Lending Refusal Pack
Global leaders
Fintech lenders · BNPL · Cash advance apps · FINMA · Swiss Re · Munich Re · UBS
Fund/refuse bind
Same engine as mortgage — different vertical param.
BNPL impulse
2am approval — receipt proves gate existed.
Regulatory heat
CFPB wants explainability — verify URL not PDF.
[Switzerland] Reinsurance capital
Geneva/Zurich reinsurers price AI risk — actuarial feed jurisdiction-scoped.
[Switzerland] Banking secrecy
Swiss bank AI — FINMA documentation expectations exceed EU for trading AI.
[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 →