[{"data":1,"prerenderedAt":578},["ShallowReactive",2],{"uc-branch-counter-ai-interpretation":3,"uc-regulations":342},{"useCase":4,"evidence":126,"blitsAiDeployments":231,"benchmarks":232,"indicative":157,"related":233,"indexability":340,"includeUnpublished":132},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":18,"patterns":21,"channels":23,"audience":27,"autonomy":28,"adoptionStage":29,"segment":30,"problem":31,"problemStats":32,"howItWorks":33,"valueDrivers":34,"kpis":38,"macroEstimates":42,"feasibility":43,"implementation":54,"risk":92,"blitsAi":107,"faq":109,"related":119,"datePublished":121,"dateModified":121,"lastVerified":121,"changelog":122,"slug":125},"AI live interpretation at bank branch counters","Branch counter interpretation","AI interpretation at bank branch counters","Bank counter staff and foreign customers talk through AI speech translation. Hana Bank, Kwangju Bank and IBK use it in Korea, Shinhan Vietnam Bank in Vietnam.","published","AI live interpretation at a bank branch counter transcribes what the customer and the bank employee say, translates it and shows it on screen in the other person's language, so a service conversation can happen without a shared language. The employee stays in charge of the transaction and the interpretation covers the conversation only.",[12,13,14,15],"AI translation at the bank counter","multilingual branch counter assistant","foreign customer branch interpretation","real time interpretation for bank tellers",[17],"banking",[19,20],"customer-service","operations",[22],"translation",[24,25,26],"internal-tools","voice","kiosk","employee-facing","assist","emerging","front-office","Banks that serve migrant workers, expatriates or tourists meet customers whose language no\ncounter employee speaks. At Shinhan Vietnam Bank the counter staff are mostly local and many\ncustomers are Korean, and the need for language support at the counter had been raised\nrepeatedly.\n\nKorean banks have opened branches for foreign residents (Hana Bank in Pyeongtaek, IBK in Ansan).\nHana's opens on Sundays for foreign workers who cannot visit on weekdays. A bank branch\nconversation contains product terms, identity checks and consents, so a wrong translation can\nchange what the customer agrees to.",[],"1. **Capture speech.** A tablet or a device with a transparent display sits between the employee\n   and the customer. Each person speaks in their own language.\n2. **Recognize and translate.** Speech recognition, tuned for the customer's language and for the\n   bank's product names and financial terms, produces text that is translated into the other\n   language.\n3. **Show the result.** The translation appears on the display for the other person, in\n   one of up to 38 languages in the products described by the banks' vendor.\n4. **Use stored phrases.** Frequently used customer service phrases can be sent\n   as a prepared multilingual message with one tap.\n5. **Keep the human in charge.** The employee performs the banking steps. A bank should\n   define where a certified interpreter is still required.",[35,36,37],"inclusion-and-access","customer-experience","speed",[39,40,41],"accuracy","processing-time-reduction","customer-satisfaction",[],{"complexity":44,"complexityNote":45,"dataPrerequisites":46,"integrations":50},"low","The build needs counter tablets or display devices with microphones, a speech translation service with a financial glossary per language, and a procedure for which transactions may rely on machine interpretation. No core banking integration is required for the interpretation itself.",[47,48,49],"A list of the languages and dialects that foreign customers use at each branch","A glossary of product names, fees and financial terms with approved translations","Rules on which conversations need a certified interpreter",[51,52,53],"Counter devices (tablet, transparent display, headset)","Speech recognition and translation service","Optional storage of transcripts under the bank's retention policy",{"steps":55,"guardrails":71,"humanInTheLoop":76,"kpisToInstrument":77,"failureModes":82},[56,59,62,65,68],{"title":57,"detail":58},"Pick branches and languages from real demand","Start where foreign customer visits are concentrated, such as a branch near an industrial area, and choose the first languages from visit records rather than from the maximum a product supports.",{"title":60,"detail":61},"Load the bank's terms","Give the vendor the product names, fee terms and form field names so that speech recognition and translation use the same words as the bank's documents.",{"title":63,"detail":64},"Define what interpretation may and may not cover","Allow it for explanation and routine service. Require written confirmation in the customer's language, or a certified interpreter, for consents, credit terms and disputes.",{"title":66,"detail":67},"Train counter staff","Teach staff to speak in short sentences, to ask the customer to repeat back key figures and to switch to a human interpreter when the customer looks unsure.",{"title":69,"detail":70},"Review a sample each month","Have bilingual staff or a partner check a sample of conversations by language and feed corrections into the glossary.",[72,73,74,75],"A human employee performs every banking step and the customer confirms terms on a bank channel","Certified interpreter available on request and for consents and disputes","Customer told that the translation is machine generated","Conversation data kept only as long as the bank's policy allows and not used for vendor model training","The counter employee is part of every conversation, checks that the customer has understood key figures and can call a certified interpreter at any time. Bilingual reviewers sample transcripts by language each month.",[78,79,80,81],"Time to complete common requests such as opening an account, before and after","Share of counter conversations that need a person to interpret, by language","Translation quality score on a monthly bilingual sample","Customer satisfaction of foreign customers by branch",[83,86,89],{"title":84,"detail":85},"Product terms translated loosely","A fee or an eligibility term is rendered in a way that changes its meaning. A bank glossary and a repeat back step for key figures reduce the risk.",{"title":87,"detail":88},"Dialect and accent errors","Speech recognition misses regional or elderly speech. Kwangju Bank's vendor says it tuned recognition for the Jeonnam dialect for elderly customers, which suggests regional speech needs tuning.",{"title":90,"detail":91},"Customers treated as covered when they are not","A language is supported on paper but with low quality. Measure quality per language and route weak languages to people.",{"euAiAct":93,"regulations":96,"guidance":100,"controls":101,"incidents":106},{"tier":94,"basis":95},"limited","A system that interacts with natural persons must tell them they are dealing with AI (Article 50(1)). Interpretation at a counter does not decide on credit or access to services, so it is not an Annex III use by itself. When the conversation concerns a loan, the credit assessment keeps its own Annex III duties; the interpretation tool does not evaluate creditworthiness, but its errors become a risk for that process.",[97,98,99],"eu-ai-act","gdpr","iso-42001",[],[102,103,104,105],"Notice to customers that interpretation is machine generated","Retention and access rules for transcripts and audio","Language quality sampling with a named owner","Approved list of conversation types that may use machine interpretation",[],{"howToBuild":108},"On Blits.ai a counter interpretation assistant is built as a **voice agent** with **speech to\ntext across several providers** and **text to speech**, and **machine translation** between the\nlanguages a branch needs. A **knowledge base** holds the bank's glossary and product terms, and\n**channels** put the conversation on a counter tablet or display.\n\n**Guardrails** and **PII masking** keep identity details out of stored transcripts, **human\nhandover** passes the conversation to a person or a certified interpreter, and **test suites**\ncheck translations per language before a branch goes live. Run Blits.ai in our cloud in the EU,\nQatar or the UAE, in your private cloud, or on premises.",[110,113,116],{"question":111,"answer":112},"Which banks run AI interpretation at the counter?","Flitto, the vendor, announced installations at Hana Bank's Pyeongtaek foreign customer branch (four counters), Kwangju Bank (six branches installed, eight branches and twelve counters planned), IBK Industrial Bank of Korea's Ansan foreign financial center (five counters) and six Shinhan Vietnam Bank branches. Most come from vendor announcements; Hana Bank's also comes from the bank's opening announcement and a reporter's visit. None has published usage results.",{"question":114,"answer":115},"Does it replace a certified interpreter?","No source claims that. It serves routine service conversations, and consents, credit terms and disputes should still go to a certified interpreter or a written confirmation in the customer's language.",{"question":117,"answer":118},"How does it differ from a digital human on a kiosk?","A digital human talks with the customer and answers from the bank's content. Counter interpretation connects a customer and an employee who share no language, and the employee does the banking work.",[120],"public-service-translation","2026-11-11",[123],{"date":121,"note":124},"First published","branch-counter-ai-interpretation",[127,158,179,202],{"title":128,"useCases":129,"organization":130,"vendors":135,"summary":139,"stage":140,"year":141,"channels":142,"languages":143,"metrics":146,"outcomeDisclosed":132,"sources":147,"verification":153,"grade":155,"id":156,"organizationSlug":157},"Shinhan Vietnam Bank: AI interpretation at counters in six branches",[125],{"name":131,"anonymized":132,"country":133,"region":134,"industry":17},"Shinhan Vietnam Bank",false,"VN","asia-pacific",[136],{"name":137,"role":138},"Flitto","platform","Flitto announced that it supplied Chat Translation Enterprise to six main branches of Shinhan Vietnam Bank in the Hanoi and Ho Chi Minh City areas. The system supports up to 38 languages and helps local Vietnamese staff talk with Korean customers at the counter. Financial terms were trained in advance and Vietnamese speech recognition was tuned for its tones. Branch tablets show a customer welcome page. No usage or outcome figure is published.","production",2026,[24,25],[144,145],"vi","ko",[],[148],{"url":149,"title":150,"publisher":151,"date":152},"https:\u002F\u002Fwww.venturesquare.net\u002F?p=1091699","\"언어 장벽 없는 은행 창구 만든다\"…플리토, 신한베트남은행에 AI 통번역 솔루션 공급","Venture Square","2026-06-17",{"level":154,"checkedAt":121},"source-verified","C","shinhan-vietnam-bank-flitto-ai-interpretation",null,{"title":159,"useCases":160,"organization":161,"vendors":164,"summary":166,"stage":140,"year":167,"channels":168,"languages":169,"metrics":170,"outcomeDisclosed":132,"sources":171,"verification":177,"grade":155,"id":178,"organizationSlug":157},"IBK Industrial Bank of Korea: AI interpretation at the Ansan foreign financial center",[125],{"name":162,"anonymized":132,"country":163,"region":134,"industry":17},"IBK Industrial Bank of Korea","KR",[165],{"name":137,"role":138},"In May 2025 Flitto announced that it supplied Chat Translation Enterprise to IBK Industrial Bank of Korea's Ansan foreign financial center, a branch for foreign customers. Five counters can translate up to 38 languages in real time. The vendor says the system learned the bank's financial terms and product names to improve speech recognition by language. No usage or outcome figure is published.",2025,[24,25],[],[],[172],{"url":173,"title":174,"publisher":175,"date":176},"https:\u002F\u002Fbyline.network\u002F2025\u002F05\u002F19-473\u002F","플리토, 기업은행에 'AI 다국어 통번역 시스템' 공급","Byline Network","2025-05-19",{"level":154,"checkedAt":121},"ibk-industrial-bank-ansan-ai-interpretation",{"title":180,"useCases":181,"organization":182,"vendors":184,"summary":186,"stage":140,"year":167,"channels":187,"languages":188,"metrics":194,"outcomeDisclosed":132,"sources":195,"verification":200,"grade":155,"id":201,"organizationSlug":157},"Kwangju Bank: AI interpretation at counters in eight branches",[125],{"name":183,"anonymized":132,"country":163,"region":134,"industry":17},"Kwangju Bank",[185],{"name":137,"role":138},"In February 2025 Flitto announced that Kwangju Bank uses its Chat Translation Enterprise for AI based real time translation between counter staff and foreign customers, in 38 languages. Six branches had it installed at the time, and the bank planned eight branches with twelve counters, including a new foreign customer financial center and a mobile branch for foreign customers. Frequently used customer phrases can be sent as multilingual messages by a button in the app, and the speech recognition was tuned for the Jeonnam regional dialect. No usage or outcome figure is published.",[24,25],[189,190,191,144,192,193],"en","zh","ja","th","ms",[],[196],{"url":197,"title":198,"publisher":151,"date":199},"https:\u002F\u002Fwww.venturesquare.net\u002F956137","플리토, 광주은행 8개 지점에 'AI 기반 다국어 통번역 시스템' 공급","2025-02-04",{"level":154,"checkedAt":121},"kwangju-bank-flitto-ai-interpretation-branches",{"title":203,"useCases":204,"organization":205,"vendors":207,"summary":209,"stage":140,"year":210,"channels":211,"languages":212,"metrics":213,"outcomeDisclosed":132,"sources":214,"verification":229,"grade":155,"id":230,"organizationSlug":157},"Hana Bank: AI interpretation at the counters of its Pyeongtaek foreign customer branch",[125],{"name":206,"anonymized":132,"country":163,"region":134,"industry":17},"Hana Bank",[208],{"name":137,"role":138},"Hana Bank opened the Pyeongtaek Foreign Center branch in September 2024, a branch only for foreign residents, with Flitto's AI interpretation product Chat Translation on four counters. Staff and customers each speak their own language and the conversation is translated in real time and shown on a transparent display, in up to 38 languages. The branch opens on Sundays for workers who cannot visit on weekdays. The bank's branch manager gave visitor numbers to the press. No accuracy, time saved or cost figure was published by Hana Bank.",2024,[26,24,25],[189,192,193,144,191],[],[215,220,224],{"url":216,"title":217,"publisher":218,"date":219},"https:\u002F\u002Fwww.smarttoday.co.kr\u002Fko-kr\u002Farticles\u002F60001","하나은행, 외국인 특화점포 '평택외국인센터점' 개점","Smart Today","2024-09-19",{"url":221,"title":222,"publisher":151,"date":223},"https:\u002F\u002Fwww.venturesquare.net\u002F941110\u002F","플리토, 하나은행 평택외국인센터점 상담창구에 '챗 트랜스레이션' 제공","2024-09-25",{"url":225,"title":226,"publisher":227,"date":228},"https:\u002F\u002Fwww.mt.co.kr\u002Ffinance\u002F2024\u002F10\u002F23\u002F2024102216042364118","여기 한국 맞아?…\"베트남어로 말해도 척척\" 외국인 몰리는 특별한 은행","Money Today","2024-10-23",{"level":154,"checkedAt":121},"hana-bank-pyeongtaek-foreign-center-ai-interpretation",0,[],[234,267,301,322],{"slug":120,"title":235,"shortTitle":236,"definition":237,"status":9,"industries":238,"functions":240,"patterns":242,"audience":246,"autonomy":247,"adoptionStage":248,"evidenceCount":249,"publicEvidenceCount":249,"organizations":250,"bestGrade":264,"headline":157,"lastVerified":265,"indexable":266},"AI translation and interpretation for multilingual public services","Public service translation","AI public service translation is AI that translates government content, documents and conversations between officials and the public, in writing and in real time speech. This lets people use public services in their own language, with human translators and interpreters reviewing anything that carries legal or safety weight.",[239],"government",[241,19,20],"citizen-services",[22,243,244,245],"conversational-agent","speech-analytics","document-processing","customer-facing","copilot","early-adopters",13,[251,252,253,254,255,256,257,258,259,260,261,262,263],"Baltimore City 911 (Emergency Communications)","Digital India BHASHINI Division","Delaware County","European Commission","Federal Emergency Management Agency","Internal Revenue Service","Korea Airports Corporation","Madrid Destino","Montgomery County Government","Presidency of Religious Affairs at the Grand Mosque and the Prophet's Mosque","UAE Public Prosecution","U.S. Customs and Border Protection","U.S. Department of State (Bureau of Consular Affairs)","B","2026-09-26",true,{"slug":268,"title":269,"shortTitle":270,"definition":271,"status":9,"industries":272,"functions":277,"patterns":281,"audience":27,"autonomy":247,"adoptionStage":248,"segment":284,"evidenceCount":285,"publicEvidenceCount":285,"organizations":286,"bestGrade":264,"headline":292,"lastVerified":265,"indexable":266},"outbound-notice-drafting","AI for drafting customer letters and outbound notices","Outbound notice drafting","AI for outbound notice drafting writes the letters and notices operations must send at scale, such as arrears notices or decline letters. It also covers complaint responses, servicing confirmations and product change notices, from case data and approved templates and clauses, in the customer's language, for a person to approve where the notice is regulated.",[273,17,274,239,275,276],"cross-industry","insurance","healthcare","wealth-and-asset-management",[20,19,278,279,280],"collections-and-recovery","regulatory-compliance","claims",[282,283,22],"content-generation","rag-knowledge-assistant","back-office",6,[287,288,289,290,291],"Acentra Health","Hiscox","Health Resources and Services Administration","Nationwide Building Society","SS&C Technologies",{"kpi":40,"label":293,"unit":294,"n":295,"nUpTo":231,"kind":296,"value":297,"qualifier":298,"claimant":299,"organization":300,"vendorReported":266},"Cycle time reduction","percent",1,"reported",25,"exact","vendor","SS&C GIDS and RS",{"slug":302,"title":303,"shortTitle":304,"definition":305,"status":9,"industries":306,"functions":307,"patterns":309,"audience":284,"autonomy":312,"adoptionStage":29,"segment":284,"evidenceCount":313,"publicEvidenceCount":313,"organizations":314,"bestGrade":264,"headline":317,"lastVerified":321,"indexable":266},"statement-and-tax-document-generation","AI for statement, tax certificate and confirmation letter generation","Statement and tax documents","AI assisted assembly of on request bank documents, such as statements, tax certificates and audit confirmations, where figures come from the system of record and layout from approved templates. AI handles request intake, validation and the free text parts, for documents such as account and card statements, interest certificates, balance and closure letters.",[17,276,274],[20,19,308],"finance-and-accounting",[245,310,311,22],"agentic-workflow","classification-and-routing","supervised-agent",2,[315,316],"Crédit Agricole Bank Polska","Federal Bank",{"kpi":318,"label":319,"unit":294,"n":295,"nUpTo":231,"kind":296,"value":320,"qualifier":298,"claimant":299,"organization":315,"vendorReported":266},"automation-rate","Automation rate",62,"2026-10-13",{"slug":323,"title":324,"shortTitle":325,"definition":326,"status":9,"industries":327,"functions":328,"patterns":330,"audience":284,"autonomy":247,"adoptionStage":248,"segment":332,"evidenceCount":333,"publicEvidenceCount":334,"organizations":335,"bestGrade":264,"headline":157,"lastVerified":339,"indexable":266},"portfolio-reporting-and-commentary","AI generated client portfolio reports and commentary","Portfolio commentary","Portfolio reporting and commentary is AI that drafts each client's periodic portfolio report and commentary in plain language, for wealth and asset managers. The narrative covers performance, attribution, what drove returns, positioning and outlook, written in the client's language, where every figure comes from the portfolio system of record and a reviewer approves the text before delivery.",[276,17],[329,19,20],"analytics-and-reporting",[282,331,22],"summarization","middle-office",4,3,[336,337,338],"AssetMark","Morgan Stanley","Quilter","2026-09-27",{"indexable":266,"reasons":341},[],[343,350,355,362,370,377,383,390,397,404,410,416,422,429,436,443,449,455,461,467,472,477,483,490,497,502,507,513,520,525,532,538,544,550,556,561,566,572],{"id":97,"label":344,"issuer":345,"region":346,"url":347,"description":348,"useCases":349,"indexable":266},"EU AI Act","European Union","europe","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2024\u002F1689\u002Foj","Regulation (EU) 2024\u002F1689: risk based rules for AI systems, with obligations for high risk systems listed in Annex III and transparency duties under Article 50.",298,{"id":98,"label":351,"issuer":345,"region":346,"url":352,"description":353,"useCases":354,"indexable":266},"GDPR","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2016\u002F679\u002Foj","General Data Protection Regulation, including Article 22 on decisions based solely on automated processing.",268,{"id":99,"label":356,"issuer":357,"region":358,"url":359,"description":360,"useCases":361,"indexable":266},"ISO\u002FIEC 42001","ISO and IEC","global","https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F81230.html","The international management system standard for AI.",149,{"id":363,"label":364,"issuer":365,"region":366,"url":367,"description":368,"useCases":369,"indexable":266},"nist-ai-rmf","NIST AI Risk Management Framework","NIST","north-america","https:\u002F\u002Fwww.nist.gov\u002Fitl\u002Fai-risk-management-framework","Voluntary US framework to map, measure, manage and govern AI risk, with a generative AI profile.",115,{"id":371,"label":372,"issuer":373,"region":346,"url":374,"description":375,"useCases":376,"indexable":266},"uk-gdpr","UK GDPR","Information Commissioner's Office","https:\u002F\u002Fico.org.uk\u002Ffor-organisations\u002Fuk-gdpr-guidance-and-resources\u002F","The UK's version of the GDPR, including rules on solely automated decisions.",85,{"id":378,"label":379,"issuer":345,"region":346,"url":380,"description":381,"useCases":382,"indexable":266},"dora","DORA","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2022\u002F2554\u002Foj","Digital Operational Resilience Act for financial entities: ICT risk, incident reporting and third party risk, including AI providers.",73,{"id":384,"label":385,"issuer":386,"region":346,"url":387,"description":388,"useCases":389,"indexable":266},"uk-consumer-duty","FCA Consumer Duty","Financial Conduct Authority","https:\u002F\u002Fwww.fca.org.uk\u002Ffirms\u002Fconsumer-duty","UK rules that require firms to deliver good outcomes for retail customers, including through automated channels.",53,{"id":391,"label":392,"issuer":393,"region":134,"url":394,"description":395,"useCases":396,"indexable":266},"mas-ai-risk-management","MAS AI risk management guidelines","Monetary Authority of Singapore","https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2025\u002Fmas-guidelines-for-artificial-intelligence-risk-management","Singapore's supervisory expectations for AI risk management at financial institutions, building on the FEAT principles.",37,{"id":398,"label":399,"issuer":400,"region":134,"url":401,"description":402,"useCases":403,"indexable":266},"apra-cps-230","APRA CPS 230","Australian Prudential Regulation Authority","https:\u002F\u002Fwww.apra.gov.au\u002Foperational-risk-management","Australian operational risk standard covering critical operations and material service providers.",26,{"id":405,"label":406,"issuer":345,"region":346,"url":407,"description":408,"useCases":409,"indexable":266},"nis2","NIS2 Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2022\u002F2555\u002Foj","Directive (EU) 2022\u002F2555 on cybersecurity for essential and important entities, including telecom networks, energy and public administration.",23,{"id":411,"label":412,"issuer":413,"region":358,"url":414,"description":415,"useCases":409,"indexable":266},"pci-dss","PCI DSS","PCI Security Standards Council","https:\u002F\u002Fwww.pcisecuritystandards.org\u002F","Security standard for any system that stores, processes or transmits cardholder data.",{"id":417,"label":418,"issuer":419,"region":366,"url":420,"description":421,"useCases":409,"indexable":266},"us-sr-11-7","SR 11-7 model risk management","Federal Reserve and OCC","https:\u002F\u002Fwww.federalreserve.gov\u002Fboarddocs\u002Fsrletters\u002F2011\u002Fsr1107.htm","US supervisory guidance on model risk management, applied by banks to AI and machine learning models.",{"id":423,"label":424,"issuer":425,"region":366,"url":426,"description":427,"useCases":428,"indexable":266},"hipaa","HIPAA","US Department of Health and Human Services","https:\u002F\u002Fwww.hhs.gov\u002Fhipaa\u002Findex.html","US rules for the privacy and security of protected health information.",21,{"id":430,"label":431,"issuer":432,"region":346,"url":433,"description":434,"useCases":435,"indexable":266},"uk-atrs","UK Algorithmic Transparency Recording Standard","UK Government","https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fcollections\u002Falgorithmic-transparency-recording-standard-hub","Mandatory transparency records for algorithmic tools used by UK central government.",18,{"id":437,"label":438,"issuer":439,"region":366,"url":440,"description":441,"useCases":442,"indexable":266},"us-tcpa","Telephone Consumer Protection Act","Federal Communications Commission","https:\u002F\u002Fwww.fcc.gov\u002Fconsumers\u002Fguides\u002Fstop-unwanted-robocalls-and-texts","US consent rules for automated and prerecorded calls and texts; the FCC has confirmed AI generated voices count as artificial voices.",16,{"id":444,"label":445,"issuer":345,"region":346,"url":446,"description":447,"useCases":448,"indexable":266},"eu-accessibility-act","European Accessibility Act","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2019\u002F882\u002Foj","Directive (EU) 2019\u002F882: accessibility requirements for banking services, ecommerce and other digital services, applicable since June 2025.",15,{"id":450,"label":451,"issuer":452,"region":358,"url":453,"description":454,"useCases":448,"indexable":266},"fatf-recommendations","FATF Recommendations","Financial Action Task Force","https:\u002F\u002Fwww.fatf-gafi.org\u002Fen\u002Fpublications\u002FFatfrecommendations\u002FFatf-recommendations.html","Global standards for anti money laundering and counter terrorist financing that national rules implement.",{"id":456,"label":457,"issuer":345,"region":346,"url":458,"description":459,"useCases":460,"indexable":266},"eu-amlr","EU Anti Money Laundering Regulation","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2024\u002F1624\u002Foj","Regulation (EU) 2024\u002F1624: the single EU rulebook for customer due diligence, beneficial ownership and suspicious transaction reporting.",14,{"id":462,"label":463,"issuer":464,"region":366,"url":465,"description":466,"useCases":249,"indexable":266},"us-bsa","Bank Secrecy Act","FinCEN","https:\u002F\u002Fwww.fincen.gov\u002Fresources\u002Fstatutes-and-regulations\u002Fbank-secrecy-act","US anti money laundering law: customer due diligence, suspicious activity reports and record keeping.",{"id":468,"label":469,"issuer":345,"region":346,"url":470,"description":471,"useCases":249,"indexable":266},"eu-psd2","PSD2","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2015\u002F2366\u002Foj","Payment Services Directive 2: strong customer authentication, transaction risk analysis exemptions and open banking access.",{"id":473,"label":474,"issuer":345,"region":346,"url":475,"description":476,"useCases":249,"indexable":266},"solvency-ii","Solvency II","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2009\u002F138\u002Foj","Directive 2009\u002F138\u002FEC: risk based capital, governance and model requirements for insurers.",{"id":478,"label":479,"issuer":480,"region":358,"url":481,"description":482,"useCases":249,"indexable":266},"telecom-consumer-rules","Telecom consumer protection rules","National telecom regulators","https:\u002F\u002Fwww.berec.europa.eu\u002F","National rules on telecom contracts, switching, billing disputes and marketing consent.",{"id":484,"label":485,"issuer":486,"region":366,"url":487,"description":488,"useCases":489,"indexable":266},"us-ecoa-reg-b","ECOA and Regulation B","Consumer Financial Protection Bureau","https:\u002F\u002Fwww.consumerfinance.gov\u002Frules-policy\u002Fregulations\u002F1002\u002F9\u002F","US fair lending rules, including specific reasons in adverse action notices, which also apply when credit decisions use AI models.",12,{"id":491,"label":492,"issuer":493,"region":346,"url":494,"description":495,"useCases":496,"indexable":266},"eba-loan-origination","EBA Guidelines on loan origination and monitoring","European Banking Authority","https:\u002F\u002Fwww.eba.europa.eu\u002Fregulation-and-policy\u002Fcredit-risk\u002Fguidelines-on-loan-origination-and-monitoring","Expectations for credit decisioning, including the use of automated models.",11,{"id":498,"label":499,"issuer":345,"region":346,"url":500,"description":501,"useCases":496,"indexable":266},"eecc","European Electronic Communications Code","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2018\u002F1972\u002Foj","Directive (EU) 2018\u002F1972: consumer protection, contract, switching and security rules for telecom operators.",{"id":503,"label":504,"issuer":345,"region":346,"url":505,"description":506,"useCases":496,"indexable":266},"mifid-ii","MiFID II","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2014\u002F65\u002Foj","Directive 2014\u002F65\u002FEU on markets in financial instruments: suitability and appropriateness of advice, record keeping and product governance.",{"id":508,"label":509,"issuer":393,"region":134,"url":510,"description":511,"useCases":512,"indexable":266},"mas-notice-626","MAS Notice 626","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fnotices\u002Fnotice-626","Singapore's anti money laundering and counter terrorism financing requirements for banks.",10,{"id":514,"label":515,"issuer":516,"region":366,"url":517,"description":518,"useCases":519,"indexable":266},"us-fcra","Fair Credit Reporting Act","Federal Trade Commission","https:\u002F\u002Fwww.ftc.gov\u002Flegal-library\u002Fbrowse\u002Fstatutes\u002Ffair-credit-reporting-act","US rules on consumer reports, their accuracy and permissible use, relevant to credit scoring and screening.",8,{"id":521,"label":522,"issuer":345,"region":346,"url":523,"description":524,"useCases":519,"indexable":266},"eu-idd","Insurance Distribution Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2016\u002F97\u002Foj","Directive (EU) 2016\u002F97: conduct rules for selling insurance, including demands and needs testing and advice.",{"id":526,"label":527,"issuer":528,"region":529,"url":530,"description":531,"useCases":285,"indexable":266},"cbuae-ai-guidance","CBUAE guidance on AI and ML","Central Bank of the UAE","middle-east","https:\u002F\u002Fwww.centralbank.ae\u002F","UAE central bank expectations for the enabling technologies, AI and machine learning used by licensed financial institutions.",{"id":533,"label":534,"issuer":345,"region":346,"url":535,"description":536,"useCases":537,"indexable":266},"eu-mortgage-credit-directive","EU Mortgage Credit Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2014\u002F17\u002Foj","Directive 2014\u002F17\u002FEU: creditworthiness assessment, disclosure and advice rules for residential mortgage lending.",5,{"id":539,"label":540,"issuer":541,"region":346,"url":542,"description":543,"useCases":537,"indexable":266},"uk-psr-app-reimbursement","UK APP scam reimbursement rules","Payment Systems Regulator","https:\u002F\u002Fwww.psr.org.uk\u002Four-work\u002Fapp-scams\u002F","Mandatory reimbursement of authorised push payment scam victims by UK payment firms, which shifts scam losses onto banks.",{"id":545,"label":546,"issuer":547,"region":346,"url":548,"description":549,"useCases":333,"indexable":266},"pra-ss1-23","PRA SS1\u002F23 model risk management","Prudential Regulation Authority","https:\u002F\u002Fwww.bankofengland.co.uk\u002Fprudential-regulation\u002Fpublication\u002F2023\u002Fmay\u002Fmodel-risk-management-principles-for-banks-ss","UK model risk management principles for banks, covering AI and machine learning models.",{"id":551,"label":552,"issuer":553,"region":134,"url":554,"description":555,"useCases":334,"indexable":266},"au-scams-prevention-framework","Australian Scams Prevention Framework","Australian Treasury","https:\u002F\u002Ftreasury.gov.au\u002Fconsultation\u002Fc2024-573813","Economy wide obligations for banks, telcos and digital platforms to prevent, detect, disrupt and respond to scams.",{"id":557,"label":558,"issuer":345,"region":346,"url":559,"description":560,"useCases":334,"indexable":266},"eu-mar","EU Market Abuse Regulation","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2014\u002F596\u002Foj","Regulation (EU) 596\u002F2014: insider dealing and market manipulation, including the duty to detect and report suspicious orders and transactions.",{"id":562,"label":563,"issuer":393,"region":134,"url":564,"description":565,"useCases":334,"indexable":266},"mas-shared-responsibility-framework","MAS Shared Responsibility Framework","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fguidelines\u002Fguidelines-on-shared-responsibility-framework","Singapore's framework that assigns banks and telcos duties and loss sharing for phishing scams.",{"id":567,"label":568,"issuer":569,"region":366,"url":570,"description":571,"useCases":334,"indexable":266},"nyc-local-law-144","NYC Local Law 144","New York City","https:\u002F\u002Fwww.nyc.gov\u002Fsite\u002Fdca\u002Fabout\u002Fautomated-employment-decision-tools.page","Bias audits and notices for automated employment decision tools used in hiring and promotion in New York City.",{"id":573,"label":574,"issuer":575,"region":529,"url":576,"description":577,"useCases":334,"indexable":266},"sdaia-ai-ethics","SDAIA AI ethics principles","Saudi Data and AI Authority","https:\u002F\u002Fsdaia.gov.sa\u002Fen\u002FSDAIA\u002Fabout\u002FDocuments\u002Fai-principles.pdf","Saudi Arabia's national AI ethics principles, applied across sectors including finance and government.",1794393614250]