[{"data":1,"prerenderedAt":572},["ShallowReactive",2],{"uc-corporate-account-onboarding-orchestration":3,"uc-regulations":372},{"useCase":4,"evidence":184,"blitsAiDeployments":251,"benchmarks":252,"indicative":259,"related":262,"indexability":370,"includeUnpublished":190},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":18,"patterns":21,"channels":26,"audience":30,"autonomy":31,"adoptionStage":32,"segment":33,"problem":34,"problemStats":35,"howItWorks":36,"valueDrivers":37,"kpis":42,"indicativeValue":47,"macroEstimates":82,"feasibility":83,"implementation":96,"risk":131,"blitsAi":161,"faq":163,"related":173,"datePublished":179,"dateModified":179,"lastVerified":179,"changelog":180,"slug":183},"AI orchestration of corporate account opening and channel setup","Corporate onboarding operations","AI agents for corporate account opening","After due diligence, an AI agent can read mandates and board resolutions, draft users and payment entitlements, and chase documents; staff approve every change.","published","An AI agent that runs the operational setup of a corporate client after the due diligence has been approved: it reads mandates, board resolutions and signatory documents, prepares accounts, users, roles and payment entitlements for approval, configures channel access, and chases outstanding items with the client, turning a manual setup that passes between several teams into a tracked, guided flow.",[12,13,14,15],"corporate account opening automation","client activation agent","mandate and signatory processing","cash management onboarding",[17],"banking",[19,20],"onboarding-and-kyc","operations",[22,23,24,25],"agentic-workflow","document-processing","conversational-agent","content-generation",[27,28,29],"internal-tools","email","web-chat","customer-facing","copilot","emerging","specialized-businesses","Winning a corporate mandate is only the start. Before the client can pay a supplier, the bank has\nto open accounts in several entities and currencies, capture authorised signatories and their\nlimits from mandates and board resolutions, set up users and roles in the corporate portal,\nconfigure payment entitlements and approval rules, connect host to host or API channels, and\ncollect missing documents. These steps can involve relationship managers, onboarding teams,\noperations and technical implementation, each working in its own systems.\n\nWhere the same data is entered in several systems, or a case waits for one team or for the client,\nthose handoffs are the natural first places to measure elapsed time and rekeying errors. Mistakes\nin signatory or entitlement setup are also a fraud and control risk.\nAn agent can read the documents, prepare the setup and chase what is missing, but entitlements are\na control: segregation of duties and four eyes approval must stay in place.",[],"1. **Open a case.** When onboarding is approved, the agent opens a setup case with a checklist\n   based on the products, entities and countries in the deal.\n2. **Read the documents.** The agent extracts signatories, signing rules, limits and authorised\n   users from mandates, resolutions and forms, and flags inconsistencies.\n3. **Prepare the setup.** It drafts account opening requests, users, roles and payment\n   entitlements in the target systems' formats, restricted to what the approved mandate allows.\n4. **Chase what is missing.** It sends the client specific requests for missing or unclear items,\n   tracks replies and reads returned documents on arrival.\n5. **Approve and apply.** Operations staff review and approve each setup batch under four eyes;\n   only then are changes applied, and the client and banker get status updates throughout.",[38,39,40,41],"speed","customer-experience","cost-to-serve","risk-reduction",[43,44,45,46],"cycle-time-days","processing-time-reduction","handling-time-reduction","error-reduction",{"referenceOrg":48,"inputs":49,"formula":77,"currency":78,"period":79,"resultLabel":80,"caveat":81},"A corporate bank activating 1,500 new corporate clients a year",[50,56,63,70],{"key":51,"label":52,"low":53,"high":53,"unit":54,"note":55},"clients","New corporate clients activated per year",1500,"clients per year","The reference bank.",{"key":57,"label":58,"low":59,"high":60,"unit":61,"note":62},"opsHours","Operations and implementation hours per client setup",15,30,"hours per client","Editorial assumption, replace with your own time study.",{"key":64,"label":65,"low":66,"high":67,"unit":68,"note":69},"reduction","Share of those hours saved",0.2,0.4,"fraction of time","Editorial assumption; no measured public benchmark was found.",{"key":71,"label":72,"low":73,"high":74,"unit":75,"note":76},"hourlyCost","Loaded cost of an operations hour",50,80,"USD per hour","Editorial assumption, replace with your own loaded cost.","clients * opsHours * reduction * hourlyCost","USD","per year","Operations time released, valued at loaded cost","Values operations time only. It leaves out earlier revenue from clients who start transacting sooner, fewer setup errors and the related fraud risk, and the cost of integrating with account and entitlement systems.",[],{"complexity":84,"complexityNote":85,"dataPrerequisites":86,"integrations":90},"high","Many systems (accounts, portal entitlements, payment channels, CRM) and strict controls on who may grant what. The agent must work through approved interfaces and never bypass segregation of duties.",[87,88,89],"Product and country checklists for corporate onboarding","Mandate, resolution and signatory templates and their required fields","Entitlement models of the corporate portal and payment channels",[91,92,93,94,95],"Client lifecycle or onboarding case management","Core banking account opening","Corporate portal user and entitlement administration","Payment channel and host to host setup","CRM and email for client communication",{"steps":97,"guardrails":110,"humanInTheLoop":115,"kpisToInstrument":116,"failureModes":121},[98,101,104,107],{"title":99,"detail":100},"Map the journey and the handoffs","Chart every step from approval to first transaction, with owner, system and waiting time, and pick the steps with the most rekeying and waiting.",{"title":102,"detail":103},"Start with document reading and chasing","Automate extraction from mandates and forms and the chasing of missing items first; these save time without touching entitlements.",{"title":105,"detail":106},"Prepare, do not grant","Let the agent prepare setup batches that humans approve under four eyes, and cap them to the approved mandate so it cannot propose rights beyond it.",{"title":108,"detail":109},"Give everyone the same status","Publish one case status to the client, the banker and operations, generated from the case, so nobody chases by email.",[111,112,113,114],"The agent cannot grant access or entitlements beyond the approved mandate","Four eyes approval on every signatory, user and payment entitlement change","Segregation of duties between the person who prepares and the person who approves","Every change is logged with the source document it was based on","Operations staff approve every setup batch under four eyes before it is applied, and handle any inconsistency the agent flags. The relationship manager owns client communication on sensitive items, and control functions review entitlement changes periodically.",[117,118,119,120],"Elapsed days from approval to first transaction","Operations hours per client setup","Setup errors found after go live","Number of document requests per client and time to receive them",[122,125,128],{"title":123,"detail":124},"Entitlements beyond the mandate","An extraction error gives a user higher limits than approved. Cap proposals to the mandate and require four eyes on every entitlement.",{"title":126,"detail":127},"Chasing that annoys the client","Automated reminders repeat or ask for documents already sent. Track what was received and let the banker pause chasing.",{"title":129,"detail":130},"Silent partial setups","One system is updated and another fails, leaving an inconsistent state. Apply changes as tracked tasks with reconciliation at the end.",{"euAiAct":132,"regulations":135,"guidance":142,"controls":155,"incidents":160},{"tier":133,"basis":134},"limited","Operational setup of accounts and entitlements for corporate clients is not listed in Annex III and makes no decision about a natural person's access to a service or creditworthiness. The agent chases documents directly with client staff, so Article 50(1) applies: the provider must design the system so that they are informed that they are interacting with an AI system, unless that is obvious from the context. A purely internal version without client contact would be minimal risk.",[136,137,138,139,140,141],"eu-ai-act","gdpr","dora","mas-ai-risk-management","apra-cps-230","eu-amlr",[143,149],{"title":144,"issuer":145,"region":146,"url":147,"note":148},"Regulation (EU) 2024/1689 (AI Act), Article 50, transparency obligations for providers and deployers of certain AI systems","European Union","europe","https://eur-lex.europa.eu/eli/reg/2024/1689/oj","Applies to the conversational chasing of documents with client staff.",{"title":150,"issuer":151,"region":152,"url":153,"note":154},"NIST AI Risk Management Framework","NIST","north-america","https://www.nist.gov/itl/ai-risk-management-framework","A structure for mapping and managing the risks of an agent that prepares changes in control relevant systems.",[156,157,158,159],"Segregation of duties and four eyes approval enforced by the target systems, not by the agent","Audit trail of every prepared and applied change with its source document","Periodic entitlement reviews for new clients","Inventory entry for the agent with its permitted actions",[],{"howToBuild":162},"On Blits.ai this is an **agentic workflow** that reads mandate and signatory documents, fills a\nstructured setup plan with **structured output**, and prepares requests in the target systems\nthrough **custom functions** (REST calls). The **tool execution policy** restricts the agent to\npreparing requests, and **human in the loop approval**, with its threshold set so that every\nsetup batch needs confirmation, puts each batch in front of an operations approver before it is\napplied. **Agentic tasks** with scheduled rechecks can wait for\nmissing documents and send reminders.\n\nClient communication runs through the **email channel** or a **web widget** in the onboarding\nportal, with **human handover** to the banker when the client asks for it. The per run **audit\ntrail** records each document and change, **guardrails** and **PII masking** protect signatory\ndata, and **test suites** can replay sample onboarding files before each release.",[164,167,170],{"question":165,"answer":166},"Can AI grant access to a new corporate client's users?","It should only prepare the setup. Granting users, signatories and payment entitlements stays behind four eyes approval and segregation of duties, and the agent must not propose rights beyond the approved mandate.",{"question":168,"answer":169},"Where should a bank look first for time savings in corporate onboarding?","We found no public benchmark that splits onboarding time by step, so map your own journey first. Handoffs between teams, rekeying the same data into several systems and waiting for client documents are the usual candidates to measure; reading mandates automatically and chasing missing items address those steps without touching the approval controls.",{"question":171,"answer":172},"Are there published results?","We found published results for the wider corporate onboarding journey that this operational setup step sits inside, but not for the step measured on its own. Standard Chartered says machine learning document processing cut average client onboarding time in Corporate and Institutional Banking from 41 to 8 days. Citi says AI enhancements to CitiDirect Commercial Banking, including automated KYC renewals and a digitized onboarding process, have significantly reduced onboarding turnaround times, without giving a figure. Neither source measures the mandate reading, signatory or entitlement setup step by itself, so pilot with document reading and chasing, and measure days from approval to first transaction.",[174,175,176,177,178],"business-onboarding-and-ubo-discovery","corporate-client-servicing-assistant","developer-api-integration-assistant","account-servicing-execution","intelligent-document-processing","2026-09-27",[181],{"date":179,"note":182},"First published","corporate-account-onboarding-orchestration",[185,212],{"title":186,"useCases":187,"organization":188,"vendors":193,"summary":194,"stage":195,"year":196,"channels":197,"languages":198,"metrics":200,"outcomeDisclosed":190,"sources":201,"verification":207,"grade":209,"id":210,"organizationSlug":211},"Citi: AI enhancements to the CitiDirect Commercial Banking onboarding and KYC process",[183],{"name":189,"anonymized":190,"country":191,"region":192,"industry":17},"Citi",false,"US","global",[],"Citi added AI driven automation to CitiDirect Commercial Banking, its digital platform for mid sized corporate clients, covering data extraction, form filling and client query routing. The KYC process for renewals is now, in Citi's words, \"fully integrated\" with automated notifications and prefilled information, and a \"Digital Servicing Hub\" centralizes client queries, updates and document submission. Citi says the fully digitized onboarding process, with real time status updates, has significantly reduced onboarding turnaround times, though it gives no figure for that reduction. The platform now covers more than 57 percent of Citi's commercial banking client base and is live in the United States, Hong Kong, India, Singapore, the United Kingdom, Canada, Australia and Brazil.","production",2025,[27],[199],"en",[],[202],{"url":203,"title":204,"publisher":205,"archivedUrl":206},"https://www.citigroup.com/global/news/press-release/2025/citi-global-roll-out-enhancements-citidirect-commercial-banking-platform","Citi Continues Global Roll Out and Enhancements to CitiDirect Commercial Banking Platform","Citigroup","http://web.archive.org/web/20250817111747/https://www.citigroup.com/global/news/press-release/2025/citi-global-roll-out-enhancements-citidirect-commercial-banking-platform",{"level":208,"checkedAt":179},"source-verified","B","citi-citidirect-commercial-onboarding","citi",{"title":213,"useCases":214,"organization":215,"vendors":218,"summary":222,"stage":195,"year":223,"channels":224,"languages":225,"metrics":226,"outcomeDisclosed":236,"sources":237,"verification":248,"grade":209,"id":249,"organizationSlug":250},"Standard Chartered: Instabase machine learning for corporate client onboarding and KYC",[183],{"name":216,"anonymized":190,"country":217,"region":192,"industry":17},"Standard Chartered","GB",[219],{"name":220,"role":221},"Instabase","platform","Standard Chartered partnered with Instabase to automate client onboarding, credit documentation and know your customer checks in Corporate and Institutional Banking. The machine learning and natural language processing solution reads documents and unstructured forms, and automates client due diligence by sourcing sanctions and adverse media information from public and private registries, so cases are processed automatically overnight instead of by staff copying and pasting from registries by hand. The bank says average client onboarding time in that business fell from 41 to 8 days since 2015, and expects the Instabase solution to bring it down further. The solution went live in Singapore, India and the United Kingdom, with Bangladesh among its first markets and further rollout planned.",2018,[27],[199],[227],{"kpi":43,"value":228,"unit":229,"qualifier":230,"period":231,"baseline":232,"claimant":233,"quote":234,"sourceUrl":235},8,"days","exact","average onboarding time in Corporate and Institutional Banking, at the time of the 2018 announcement","41 days, in 2015","organization","In Corporate & Institutional Banking (CIB), average client onboarding times have dramatically reduced from 41 to 8 days since 2015, and will continue to fall with the use of Instabase to digitise the bank.","https://www.sc.com/en/press-release/were-transforming-client-experience-with-smart-technologies/",true,[238,242],{"url":235,"title":239,"publisher":216,"date":240,"archivedUrl":241},"We're transforming client experience with smart technologies","2018-11-07","http://web.archive.org/web/20260514130352/https://www.sc.com/en/press-release/were-transforming-client-experience-with-smart-technologies/",{"url":243,"title":244,"publisher":245,"date":246,"archivedUrl":247},"https://www.bankingtech.com/2018/11/standard-chartered-teams-with-instabase-for-clever-kyc/","Standard Chartered teams with Instabase for clever KYC","FinTech Futures (Banking Technology)","2018-11-08","http://web.archive.org/web/20190605181832/https://www.bankingtech.com/2018/11/standard-chartered-teams-with-instabase-for-clever-kyc/",{"level":208,"checkedAt":179},"standard-chartered-instabase-client-onboarding","standard-chartered",0,[253],{"kpi":43,"label":254,"unit":229,"aggregate":190,"higherIsBetter":190,"n":255,"nUpTo":251,"median":228,"min":228,"max":228,"byClaimant":256,"vendorOnly":190,"points":257},"Cycle time",1,{"organization":255,"vendor":251,"regulator":251,"independent":251},[258],{"evidenceId":249,"organization":216,"value":228,"qualifier":230,"claimant":233,"grade":209,"pooled":236},{"low":260,"high":261},225000,1440000,[263,289,308,327,344],{"slug":174,"title":264,"shortTitle":265,"definition":266,"status":9,"industries":267,"functions":270,"patterns":272,"audience":275,"autonomy":276,"adoptionStage":32,"segment":33,"evidenceCount":277,"publicEvidenceCount":277,"organizations":278,"bestGrade":282,"headline":283,"lastVerified":179,"indexable":236},"AI for business onboarding (KYB) and beneficial ownership discovery","Business onboarding and UBO","An AI agent that builds the know your business (KYB) due diligence file for a new or reviewed corporate client, before any account is opened: it collects registry, incorporation and ownership documents, resolves the entity across sources, maps the ownership chain through holding companies, nominees and trusts to the ultimate beneficial owners, screens the entity and its owners, and presents a risk scored case for a compliance analyst to decide.",[17,268,269],"payments","capital-markets",[19,271],"financial-crime-compliance",[23,22,273,274],"classification-and-routing","summarization","back-office","supervised-agent",3,[279,280,281],"BNY","Incore Bank","M-DAQ Global","C",{"kpi":284,"label":285,"unit":286,"n":255,"nUpTo":251,"kind":287,"value":288,"qualifier":230,"claimant":233,"organization":279,"vendorReported":190},"automation-rate","Automation rate","percent","reported",25,{"slug":175,"title":290,"shortTitle":291,"definition":292,"status":9,"industries":293,"functions":294,"patterns":296,"audience":30,"autonomy":276,"adoptionStage":298,"segment":33,"evidenceCount":299,"publicEvidenceCount":300,"organizations":301,"bestGrade":209,"headline":304,"lastVerified":179,"indexable":236},"AI assistant for corporate and commercial client servicing","Corporate client servicing","A conversational assistant inside the corporate banking portal, app and messaging channels that answers finance and treasury teams' servicing questions, such as payment status, balances, cut off times, fees and how to submit an instruction, resolves routine requests end to end and hands the rest to a service specialist who has an AI copilot.",[17,268],[295,20],"customer-service",[24,297,22,274],"rag-knowledge-assistant","early-adopters",5,2,[302,303],"Bank of America","DBS Bank",{"kpi":305,"label":306,"unit":286,"n":255,"nUpTo":251,"kind":287,"value":307,"qualifier":230,"claimant":233,"organization":302,"vendorReported":190},"contact-deflection","Contact deflection",16,{"slug":176,"title":309,"shortTitle":310,"definition":311,"status":9,"industries":312,"functions":315,"patterns":317,"audience":30,"autonomy":319,"adoptionStage":298,"segment":33,"evidenceCount":320,"publicEvidenceCount":320,"organizations":321,"bestGrade":209,"headline":326,"lastVerified":179,"indexable":236},"AI assistant for developers integrating a company's APIs","API integration assistant","An AI assistant on a developer portal and in its documentation that answers integration questions, recommends the right endpoints, helps debug connections and generates sample calls, grounded in the API catalogue, reference docs and test material, so clients and partners integrate faster with fewer support tickets.",[313,17,268,314],"cross-industry","technology",[316,295,19],"it-and-engineering",[297,24,318],"code-generation","assist",4,[322,323,324,325],"CircleCI","Mapbox","monday.com","U.S. Bank",{"kpi":305,"label":306,"unit":286,"n":255,"nUpTo":251,"kind":287,"value":60,"qualifier":230,"claimant":233,"organization":323,"vendorReported":190},{"slug":177,"title":328,"shortTitle":329,"definition":330,"status":9,"industries":331,"functions":334,"patterns":336,"audience":275,"autonomy":276,"adoptionStage":298,"segment":275,"evidenceCount":277,"publicEvidenceCount":300,"organizations":337,"bestGrade":282,"headline":340,"lastVerified":179,"indexable":236},"AI for back office account servicing execution","Account servicing execution","AI that executes the servicing requests that land in operations queues, such as address and mandate changes, standing instructions, beneficiary updates, reissues, payoff and reference letters and loan maintenance, by reading the request, checking it against policy and entitlements, and preparing or making the change in core systems under dual control.",[17,332,333],"insurance","wealth-and-asset-management",[20,335],"lending-and-credit",[22,23,273],[338,339],"Banco Supervielle","SS&C Technologies",{"kpi":44,"label":341,"unit":286,"n":300,"nUpTo":251,"kind":287,"value":342,"qualifier":230,"claimant":343,"organization":339,"vendorReported":236},"Cycle time reduction",95,"vendor",{"slug":178,"title":345,"shortTitle":346,"definition":347,"status":9,"industries":348,"functions":352,"patterns":355,"audience":275,"autonomy":276,"adoptionStage":357,"evidenceCount":358,"publicEvidenceCount":299,"organizations":359,"bestGrade":209,"headline":365,"lastVerified":179,"indexable":236},"AI document intelligence for unstructured forms and documents","Intelligent document processing","AI that takes documents in any format, such as scanned forms, PDFs, photos, emails and handwritten notes, splits and classifies them, extracts the required fields with a confidence score, validates them against business rules and source systems, and sends only the uncertain cases to a person before the data enters the downstream process.",[313,349,350,351],"government","automotive","manufacturing",[20,353,354],"case-management","finance-and-accounting",[23,356,273],"computer-vision","mainstream",7,[360,361,362,363,364],"Ancine","Pupuk Indonesia","U.S. Immigration and Customs Enforcement","U.S. Citizenship and Immigration Services","Volvo Group",{"kpi":366,"label":367,"unit":286,"n":255,"nUpTo":251,"kind":287,"value":368,"qualifier":369,"claimant":343,"organization":360,"vendorReported":236},"accuracy","Accuracy",90,"at-least",{"indexable":236,"reasons":371},[],[373,377,382,389,393,398,405,412,419,424,431,437,443,449,454,459,466,472,478,484,490,496,502,507,512,519,525,530,536,543,549,555,561,566],{"id":136,"label":374,"issuer":145,"region":146,"url":147,"description":375,"useCases":376,"indexable":236},"EU AI Act","Regulation (EU) 2024/1689: risk based rules for AI systems, with obligations for high risk systems listed in Annex III and transparency duties under Article 50.",197,{"id":137,"label":378,"issuer":145,"region":146,"url":379,"description":380,"useCases":381,"indexable":236},"GDPR","https://eur-lex.europa.eu/eli/reg/2016/679/oj","General Data Protection Regulation, including Article 22 on decisions based solely on automated processing.",180,{"id":383,"label":384,"issuer":385,"region":192,"url":386,"description":387,"useCases":388,"indexable":236},"iso-42001","ISO/IEC 42001","ISO and IEC","https://www.iso.org/standard/81230.html","The international management system standard for AI.",110,{"id":390,"label":150,"issuer":151,"region":152,"url":153,"description":391,"useCases":392,"indexable":236},"nist-ai-rmf","Voluntary US framework to map, measure, manage and govern AI risk, with a generative AI profile.",83,{"id":138,"label":394,"issuer":145,"region":146,"url":395,"description":396,"useCases":397,"indexable":236},"DORA","https://eur-lex.europa.eu/eli/reg/2022/2554/oj","Digital Operational Resilience Act for financial entities: ICT risk, incident reporting and third party risk, including AI providers.",66,{"id":399,"label":400,"issuer":401,"region":146,"url":402,"description":403,"useCases":404,"indexable":236},"uk-gdpr","UK GDPR","Information Commissioner's Office","https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/","The UK's version of the GDPR, including rules on solely automated decisions.",64,{"id":406,"label":407,"issuer":408,"region":146,"url":409,"description":410,"useCases":411,"indexable":236},"uk-consumer-duty","FCA Consumer Duty","Financial Conduct Authority","https://www.fca.org.uk/firms/consumer-duty","UK rules that require firms to deliver good outcomes for retail customers, including through automated channels.",47,{"id":139,"label":413,"issuer":414,"region":415,"url":416,"description":417,"useCases":418,"indexable":236},"MAS AI risk management guidelines","Monetary Authority of Singapore","asia-pacific","https://www.mas.gov.sg/news/media-releases/2025/mas-guidelines-for-artificial-intelligence-risk-management","Singapore's supervisory expectations for AI risk management at financial institutions, building on the FEAT principles.",36,{"id":140,"label":420,"issuer":421,"region":415,"url":422,"description":423,"useCases":288,"indexable":236},"APRA CPS 230","Australian Prudential Regulation Authority","https://www.apra.gov.au/operational-risk-management","Australian operational risk standard covering critical operations and material service providers.",{"id":425,"label":426,"issuer":427,"region":192,"url":428,"description":429,"useCases":430,"indexable":236},"pci-dss","PCI DSS","PCI Security Standards Council","https://www.pcisecuritystandards.org/","Security standard for any system that stores, processes or transmits cardholder data.",20,{"id":432,"label":433,"issuer":434,"region":152,"url":435,"description":436,"useCases":430,"indexable":236},"us-sr-11-7","SR 11-7 model risk management","Federal Reserve and OCC","https://www.federalreserve.gov/boarddocs/srletters/2011/sr1107.htm","US supervisory guidance on model risk management, applied by banks to AI and machine learning models.",{"id":438,"label":439,"issuer":440,"region":146,"url":441,"description":442,"useCases":307,"indexable":236},"uk-atrs","UK Algorithmic Transparency Recording Standard","UK Government","https://www.gov.uk/government/collections/algorithmic-transparency-recording-standard-hub","Mandatory transparency records for algorithmic tools used by UK central government.",{"id":444,"label":445,"issuer":446,"region":192,"url":447,"description":448,"useCases":59,"indexable":236},"fatf-recommendations","FATF Recommendations","Financial Action Task Force","https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html","Global standards for anti money laundering and counter terrorist financing that national rules implement.",{"id":141,"label":450,"issuer":145,"region":146,"url":451,"description":452,"useCases":453,"indexable":236},"EU Anti Money Laundering Regulation","https://eur-lex.europa.eu/eli/reg/2024/1624/oj","Regulation (EU) 2024/1624: the single EU rulebook for customer due diligence, beneficial ownership and suspicious transaction reporting.",14,{"id":455,"label":456,"issuer":145,"region":146,"url":457,"description":458,"useCases":453,"indexable":236},"nis2","NIS2 Directive","https://eur-lex.europa.eu/eli/dir/2022/2555/oj","Directive (EU) 2022/2555 on cybersecurity for essential and important entities, including telecom networks, energy and public administration.",{"id":460,"label":461,"issuer":462,"region":152,"url":463,"description":464,"useCases":465,"indexable":236},"us-bsa","Bank Secrecy Act","FinCEN","https://www.fincen.gov/resources/statutes-and-regulations/bank-secrecy-act","US anti money laundering law: customer due diligence, suspicious activity reports and record keeping.",13,{"id":467,"label":468,"issuer":145,"region":146,"url":469,"description":470,"useCases":471,"indexable":236},"eu-accessibility-act","European Accessibility Act","https://eur-lex.europa.eu/eli/dir/2019/882/oj","Directive (EU) 2019/882: accessibility requirements for banking services, ecommerce and other digital services, applicable since June 2025.",12,{"id":473,"label":474,"issuer":475,"region":152,"url":476,"description":477,"useCases":471,"indexable":236},"hipaa","HIPAA","US Department of Health and Human Services","https://www.hhs.gov/hipaa/index.html","US rules for the privacy and security of protected health information.",{"id":479,"label":480,"issuer":481,"region":192,"url":482,"description":483,"useCases":471,"indexable":236},"telecom-consumer-rules","Telecom consumer protection rules","National telecom regulators","https://www.berec.europa.eu/","National rules on telecom contracts, switching, billing disputes and marketing consent.",{"id":485,"label":486,"issuer":145,"region":146,"url":487,"description":488,"useCases":489,"indexable":236},"eecc","European Electronic Communications Code","https://eur-lex.europa.eu/eli/dir/2018/1972/oj","Directive (EU) 2018/1972: consumer protection, contract, switching and security rules for telecom operators.",11,{"id":491,"label":492,"issuer":493,"region":152,"url":494,"description":495,"useCases":489,"indexable":236},"us-tcpa","Telephone Consumer Protection Act","Federal Communications Commission","https://www.fcc.gov/consumers/guides/stop-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.",{"id":497,"label":498,"issuer":414,"region":415,"url":499,"description":500,"useCases":501,"indexable":236},"mas-notice-626","MAS Notice 626","https://www.mas.gov.sg/regulation/notices/notice-626","Singapore's anti money laundering and counter terrorism financing requirements for banks.",10,{"id":503,"label":504,"issuer":145,"region":146,"url":505,"description":506,"useCases":501,"indexable":236},"mifid-ii","MiFID II","https://eur-lex.europa.eu/eli/dir/2014/65/oj","Directive 2014/65/EU on markets in financial instruments: suitability and appropriateness of advice, record keeping and product governance.",{"id":508,"label":509,"issuer":145,"region":146,"url":510,"description":511,"useCases":501,"indexable":236},"eu-psd2","PSD2","https://eur-lex.europa.eu/eli/dir/2015/2366/oj","Payment Services Directive 2: strong customer authentication, transaction risk analysis exemptions and open banking access.",{"id":513,"label":514,"issuer":515,"region":146,"url":516,"description":517,"useCases":518,"indexable":236},"eba-loan-origination","EBA Guidelines on loan origination and monitoring","European Banking Authority","https://www.eba.europa.eu/regulation-and-policy/credit-risk/guidelines-on-loan-origination-and-monitoring","Expectations for credit decisioning, including the use of automated models.",9,{"id":520,"label":521,"issuer":522,"region":152,"url":523,"description":524,"useCases":228,"indexable":236},"us-ecoa-reg-b","ECOA and Regulation B","Consumer Financial Protection Bureau","https://www.consumerfinance.gov/rules-policy/regulations/1002/9/","US fair lending rules, including specific reasons in adverse action notices, which also apply when credit decisions use AI models.",{"id":526,"label":527,"issuer":145,"region":146,"url":528,"description":529,"useCases":228,"indexable":236},"solvency-ii","Solvency II","https://eur-lex.europa.eu/eli/dir/2009/138/oj","Directive 2009/138/EC: risk based capital, governance and model requirements for insurers.",{"id":531,"label":532,"issuer":145,"region":146,"url":533,"description":534,"useCases":535,"indexable":236},"eu-idd","Insurance Distribution Directive","https://eur-lex.europa.eu/eli/dir/2016/97/oj","Directive (EU) 2016/97: conduct rules for selling insurance, including demands and needs testing and advice.",6,{"id":537,"label":538,"issuer":539,"region":540,"url":541,"description":542,"useCases":299,"indexable":236},"cbuae-ai-guidance","CBUAE guidance on AI and ML","Central Bank of the UAE","middle-east","https://www.centralbank.ae/","UAE central bank expectations for the enabling technologies, AI and machine learning used by licensed financial institutions.",{"id":544,"label":545,"issuer":546,"region":146,"url":547,"description":548,"useCases":320,"indexable":236},"pra-ss1-23","PRA SS1/23 model risk management","Prudential Regulation Authority","https://www.bankofengland.co.uk/prudential-regulation/publication/2023/may/model-risk-management-principles-for-banks-ss","UK model risk management principles for banks, covering AI and machine learning models.",{"id":550,"label":551,"issuer":552,"region":146,"url":553,"description":554,"useCases":320,"indexable":236},"uk-psr-app-reimbursement","UK APP scam reimbursement rules","Payment Systems Regulator","https://www.psr.org.uk/our-work/app-scams/","Mandatory reimbursement of authorised push payment scam victims by UK payment firms, which shifts scam losses onto banks.",{"id":556,"label":557,"issuer":558,"region":415,"url":559,"description":560,"useCases":277,"indexable":236},"au-scams-prevention-framework","Australian Scams Prevention Framework","Australian Treasury","https://treasury.gov.au/consultation/c2024-573813","Economy wide obligations for banks, telcos and digital platforms to prevent, detect, disrupt and respond to scams.",{"id":562,"label":563,"issuer":145,"region":146,"url":564,"description":565,"useCases":277,"indexable":236},"eu-mar","EU Market Abuse Regulation","https://eur-lex.europa.eu/eli/reg/2014/596/oj","Regulation (EU) 596/2014: insider dealing and market manipulation, including the duty to detect and report suspicious orders and transactions.",{"id":567,"label":568,"issuer":569,"region":152,"url":570,"description":571,"useCases":277,"indexable":236},"us-fcra","Fair Credit Reporting Act","Federal Trade Commission","https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act","US rules on consumer reports, their accuracy and permissible use, relevant to credit scoring and screening.",1790598302983]