[{"data":1,"prerenderedAt":615},["ShallowReactive",2],{"uc-freight-carrier-voice-agent":3,"uc-regulations":383},{"useCase":4,"evidence":173,"blitsAiDeployments":256,"benchmarks":257,"indicative":264,"related":267,"indexability":381,"includeUnpublished":179},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":18,"patterns":21,"channels":25,"audience":28,"autonomy":29,"adoptionStage":30,"problem":31,"problemStats":32,"howItWorks":33,"valueDrivers":34,"kpis":39,"indicativeValue":44,"macroEstimates":79,"feasibility":80,"implementation":93,"risk":133,"blitsAi":154,"faq":156,"related":166,"datePublished":168,"dateModified":168,"lastVerified":168,"changelog":169,"slug":172},"AI voice agent for freight carrier sales and driver calls","Freight carrier voice agent","AI voice agent for freight carrier calls","AI voice agents answer carrier calls, negotiate rates within limits and vet carriers. HappyRobot says Circle Logistics books 18% of freight with no human touch.","published","An AI voice agent for freight carrier calls answers inbound calls from carriers and drivers and makes outbound ones for a broker, shipper or logistics provider. It presents load details, negotiates a rate within limits, vets the carrier, confirms bookings, chases transport status and schedules dock appointments, writing every result back into the transport management system.",[12,13,14,15],"AI carrier sales agent","freight check call automation","voice AI for freight brokers","AI appointment scheduling calls for warehouses",[17],"logistics-and-transportation",[19,20],"operations","procurement",[22,23,24],"voice-agent","agentic-workflow","conversational-agent",[26,27],"voice","email","customer-facing","supervised-agent","early-adopters","Carrier sales in a freight brokerage runs on the phone. HappyRobot's Circle Logistics case study\ndescribes reps spending most of their day on routine exchanges (load details, rate negotiation,\nbooking confirmations, compliance checks), with peak volumes overwhelming teams, negotiation quality\nvarying from rep to rep and hold times frustrating carriers. MODE Global's story adds that many\ninbound callers could not move the load they called about (wrong equipment, missing authority,\nincomplete compliance documents) and that manual fraud screening could not keep pace.\n\nIn warehouses and yards the same pattern appears as dock appointment scheduling, driver follow up\ncalls and status calls to chase late trucks, the call types DHL Supply Chain names for its\ndeployment.",[],"1. **Answer and identify.** The agent picks up an inbound call or starts an outbound one, identifies the\n   carrier by its authority number and phone, and finds the load being discussed.\n2. **Vet the carrier.** It pulls compliance, insurance and fraud signals from the carrier databases and\n   the broker's own carrier classifications in the background, without slowing a legitimate carrier.\n3. **Present and negotiate.** It gives pickup, delivery and equipment details, and negotiates a price\n   inside the range the broker sets for the lane.\n4. **Book or hand over.** It confirms the booking in the transport management system, or passes\n   the call with the full record to a rep when the carrier asks for something outside its limits.\n5. **Chase status and appointments.** Outbound, it calls drivers for ETA and status, books or moves dock\n   appointments and flags late loads to the coordinator.\n6. **Write back.** Every data point, rate and outcome lands in the transport management system and the\n   carrier profile, so the next call starts with the history.",[35,36,37,38],"cost-to-serve","speed","employee-productivity","revenue-growth",[40,41,42,43],"automation-rate","response-time-reduction","interactions-handled","hours-saved",{"referenceOrg":45,"inputs":46,"formula":74,"currency":75,"period":76,"resultLabel":77,"caveat":78},"A freight broker covering 100,000 truckloads a year",[47,53,60,67],{"key":48,"label":49,"low":50,"high":50,"unit":51,"note":52},"loads","Truckloads covered per year",100000,"loads per year","The reference broker.",{"key":54,"label":55,"low":56,"high":57,"unit":58,"note":59},"zeroTouchShare","Share of loads booked with no human touch",0.08,0.18,"fraction of loads","Editorial assumption. The high end equals HappyRobot's vendor reported 18% for Circle Logistics after about two years; the low end covers an earlier stage. Replace with your own rate.",{"key":61,"label":62,"low":63,"high":64,"unit":65,"note":66},"repMinutesPerLoad","Rep minutes a booked load takes today",20,40,"minutes per load","Editorial assumption for carrier sales calls, negotiation and vetting; replace with your own time studies.",{"key":68,"label":69,"low":70,"high":71,"unit":72,"note":73},"costPerHour","Fully loaded cost of a rep hour",25,45,"USD per hour","Editorial assumption for North America, the same as on the freight dispatch page; replace with your own fully loaded cost.","loads * zeroTouchShare * repMinutesPerLoad \u002F 60 * costPerHour","USD","per year","Rep time cost avoided","Gross time saved only. It leaves out margin effects, check call savings, fraud losses avoided and the cost of the platform and its integrations.",[],{"complexity":81,"complexityNote":82,"dataPrerequisites":83,"integrations":88},"medium","The agent needs the transport management system, load boards and carrier compliance data connected in both directions, and a pricing rule set per lane that the broker is willing to let it use. HappyRobot credits Circle Logistics' own AI team and its deep API connections across the stack for the expansion.",[84,85,86,87],"Open loads with lane, equipment, dates and rate ranges","Carrier master data, authority, insurance and fraud signals","Dock schedules and appointment rules for warehouse use","Call recordings and rep scripts for the common cases",[89,90,91,92],"Transport management system","Load boards and carrier compliance data providers","Telephony and email","Warehouse or yard management system for appointments",{"steps":94,"guardrails":110,"humanInTheLoop":115,"kpisToInstrument":116,"failureModes":120},[95,98,101,104,107],{"title":96,"detail":97},"Begin with inbound carrier calls on one lane group","Pick the highest volume, lowest risk calls. Circle Logistics and MODE Global both started with inbound carrier sales. Circle has since widened to other departments; MODE names outbound carrier sales and track and trace as its next steps.",{"title":99,"detail":100},"Set pricing and authority limits","Define floor and ceiling rates per lane, the maximum concession per call and when a rep must take over. Log every offer and counteroffer.",{"title":102,"detail":103},"Put fraud checks in the background","Run authority, insurance and identity checks while the call proceeds, and block booking until they pass. Keep the experience quick for legitimate carriers.",{"title":105,"detail":106},"Extend to outbound status and appointments","Once inbound works, add check calls and dock appointment calls, as DHL Supply Chain does for driver follow up and warehouse coordination.",{"title":108,"detail":109},"Review a sample every week","Listen to booked and abandoned calls, compare the margin against rep booked loads on the same lanes and adjust the rules.",[111,112,113,114],"Rate limits per lane and a hard stop on bookings the broker has not authorized","Carrier vetting must pass before a booking is confirmed","AI disclosure at the start of the call and a route to a person","Call recording notice and retention under local law","Reps take calls the agent hands over, negotiations outside the set range, new carriers that fail vetting and all disputes. Operations leads approve changes to pricing rules and review a weekly sample of recorded calls.",[55,117,118,119],"Answer rate and time to answer, including at peak","Margin on agent booked loads against rep booked loads on the same lanes","Fraud attempts caught before booking",[121,124,127,130],{"title":122,"detail":123},"Margin leakage","The agent concedes too much on a thin lane. Set concession limits per lane and compare margin weekly.",{"title":125,"detail":126},"Fraud gets through","A spoofed carrier is booked on a high value load. Require identity and authority checks to pass before confirmation.",{"title":128,"detail":129},"Stale load data","The agent offers a load already covered. Sync with the transport management system in real time and confirm availability before quoting.",{"title":131,"detail":132},"Carrier irritation","Carriers hang up on an obvious script. Keep calls short, let them reach a rep on request and measure call abandonment.",{"euAiAct":134,"regulations":137,"guidance":141,"controls":148,"incidents":153},{"tier":135,"basis":136},"context-dependent","Article 50(1) applies: carriers and drivers must be told they are speaking to an AI system. Pricing a load and vetting a carrier company is not an Annex III use, but a deployment that scores, ranks or refuses individual owner operators on their own behavior, or allocates work to employed drivers, needs an assessment against Annex III point 4(b).",[138,139,140],"eu-ai-act","gdpr","us-tcpa",[142],{"title":143,"issuer":144,"region":145,"url":146,"note":147},"Declaratory ruling on AI generated voices under the TCPA (FCC 24-17)","Federal Communications Commission","north-america","https:\u002F\u002Fdocs.fcc.gov\u002Fpublic\u002Fattachments\u002FFCC-24-17A1.pdf","AI generated voices count as artificial or prerecorded voice under the TCPA, so US reminder calls made with AI need the consent the TCPA requires for such calls.",[149,150,151,152],"AI disclosure and a route to a person on every call","Pricing authority limits and an audit log of offers and bookings","Carrier vetting gate before booking","Call recording notice, retention and access rules",[],{"howToBuild":155},"On Blits.ai this is an **AI agent** on the **voice** channel with **custom functions** that read open\nloads and carrier data from the transport management system over REST, check carrier compliance and\nwrite the booking back. The rate function returns only the range the broker set for the lane and the\nbooking function refuses a load until vetting has passed; a carrier who wants more than the ceiling\ngoes to a rep through **human handover** with the call record.\n\nOutbound check calls and appointment calls are an **agentic workflow** started on a schedule or by\nthe transport management system through an API token, with a **custom function** that calls the\ntelephony provider to start the call, and **email** as a second channel. **Guardrails** check input\nand output, **PII masking** protects driver data, **test suites** replay recorded call scenarios on\nevery change, and **analytics** show automation rate and handover reasons. Run Blits.ai in our cloud in the EU, Qatar, Singapore, the UAE, the US or Australia, in your private cloud, or fully on premises.",[157,160,163],{"question":158,"answer":159},"How much freight can an AI agent book without a person?","HappyRobot reports that Circle Logistics books 18% of all its freight with zero human touch after about two years of expansion from an inbound carrier sales pilot. It is a vendor reported figure.",{"question":161,"answer":162},"Which calls do logistics providers hand to AI first?","Inbound carrier sales at Circle Logistics and MODE Global, and appointment scheduling, driver follow up and transport status calls at DHL Supply Chain.",{"question":164,"answer":165},"How is this different from freight dispatch and load matching?","Freight dispatch and load matching prices emailed quote requests, ranks loads for carriers and books dock slots through the scheduling system. This voice agent holds the phone conversation with carriers and drivers: negotiation, vetting, check calls and appointment calls made by phone.",[167],"freight-dispatch-and-load-matching-agent","2026-11-11",[170],{"date":168,"note":171},"First published","freight-carrier-voice-agent",[174,210,228],{"title":175,"useCases":176,"organization":177,"vendors":181,"summary":185,"stage":186,"year":187,"channels":188,"languages":189,"metrics":191,"outcomeDisclosed":200,"sources":201,"verification":205,"grade":207,"id":208,"organizationSlug":209},"Circle Logistics: HappyRobot AI agents for inbound carrier sales",[172],{"name":178,"anonymized":179,"country":180,"region":145,"industry":17},"Circle Logistics",false,"US",[182],{"name":183,"role":184},"HappyRobot","platform","Circle Logistics, a freight brokerage, started with an inbound carrier sales pilot two years before the case study and now runs HappyRobot AI agents that present loads, negotiate rates, confirm bookings and run fraud checks, integrated with its TMS and load boards. HappyRobot reports that 18% of all freight is booked with zero human touch and that every call is answered around the clock.","scaled",2026,[26],[190],"en",[192],{"kpi":40,"value":193,"unit":194,"qualifier":195,"period":196,"claimant":197,"quote":198,"sourceUrl":199},18,"percent","exact","all freight booked","vendor","18% of all freight booked with zero human touch","https:\u002F\u002Fwww.happyrobot.ai\u002Fblog\u002Fcircle-logistics-x-happyrobot-case-study",true,[202],{"url":199,"title":203,"publisher":183,"date":204},"Circle Logistics x HappyRobot Case Study: 5x ROI at Scale","2026-02-25",{"level":206,"checkedAt":168},"source-verified","C","circle-logistics-happyrobot-carrier-sales-voice-agents",null,{"title":211,"useCases":212,"organization":213,"vendors":215,"summary":217,"stage":218,"year":187,"channels":219,"languages":220,"metrics":221,"outcomeDisclosed":200,"sources":222,"verification":226,"grade":207,"id":227,"organizationSlug":209},"MODE Global: HappyRobot voice AI for inbound carrier calls",[172],{"name":214,"anonymized":179,"country":180,"region":145,"industry":17},"MODE Global",[216],{"name":183,"role":184},"MODE Global, a Dallas based non asset logistics provider, ran a proof of concept with HappyRobot voice AI that picks up inbound carrier calls, presents load information and starts carrier vetting and fraud screening before a sales rep engages. HappyRobot reports a 100% answer rate and zero first response time in that phase; expansion across MODE's offices, outbound carrier sales and track and trace calls are described as next steps.","pilot",[26],[190],[],[223],{"url":224,"title":225,"publisher":183},"https:\u002F\u002Fhappyrobot.ai\u002Fcustomer-story\u002Fmode","MODE Global Collaborates with HappyRobot to Automate Critical Operations",{"level":206,"checkedAt":168},"mode-global-happyrobot-carrier-sales-voice-agent",{"title":229,"useCases":230,"organization":231,"vendors":236,"summary":238,"stage":239,"year":240,"channels":241,"languages":242,"metrics":243,"outcomeDisclosed":179,"sources":244,"verification":254,"grade":207,"id":255,"organizationSlug":209},"DHL Supply Chain: HappyRobot AI agents for scheduling and status calls",[172],{"name":232,"anonymized":179,"country":233,"region":234,"industry":17,"wikidata":235},"DHL Supply Chain","DE","global","Q474230",[237],{"name":183,"role":184},"DHL Supply Chain, the contract logistics division of DHL Group, uses HappyRobot AI agents in several regions for appointment scheduling, driver follow up calls, transport status calls and high priority warehouse coordination, by phone and email. DHL says current deployments target hundreds of thousands of emails and millions of voice minutes a year and report significantly reduced manual effort, without giving a figure.","production",2025,[26,27],[190],[],[245,250],{"url":246,"title":247,"publisher":248,"date":249},"https:\u002F\u002Fwww.ajot.com\u002Fnews\u002Fdhl-boosts-operational-efficiency-and-customer-communications-with-happyrobots-ai-agents","DHL boosts operational efficiency and customer communications with HappyRobot's AI Agents","AJOT (DHL press release, 11 November 2025)","2025-11-11",{"url":251,"title":252,"publisher":183,"date":253},"https:\u002F\u002Fwww.happyrobot.ai\u002Fblog\u002Fdhl-boosts-operational-efficiency-and-customer-communications-with-happyrobots-ai-workers","DHL boosts operational efficiency and customer communications with HappyRobot's AI Workers","2026-01-15",{"level":206,"checkedAt":168},"dhl-supply-chain-happyrobot-appointment-and-status-calls",0,[258],{"kpi":40,"label":259,"unit":194,"aggregate":200,"higherIsBetter":200,"n":260,"nUpTo":256,"median":193,"min":193,"max":193,"byClaimant":261,"vendorOnly":200,"points":262},"Automation rate",1,{"organization":256,"vendor":260,"regulator":256,"independent":256},[263],{"evidenceId":208,"organization":178,"value":193,"qualifier":195,"claimant":197,"grade":207,"pooled":200},{"low":265,"high":266},66666.66666666666,540000,[268,293,318,346],{"slug":167,"title":269,"shortTitle":270,"definition":271,"status":9,"industries":272,"functions":273,"patterns":274,"audience":278,"autonomy":29,"adoptionStage":30,"segment":279,"evidenceCount":280,"publicEvidenceCount":280,"organizations":281,"bestGrade":285,"headline":286,"lastVerified":292,"indexable":200},"AI agent for freight dispatch and load matching","Freight dispatch and load matching","An AI freight dispatch and load matching agent coordinates moving a truckload for freight brokers and carriers. It reads an emailed quote request and replies with a price, ranks which loads to show which carriers, matches pickup and delivery details to an open dock appointment slot, and chases exceptions, so staff plan lanes and handle disputes instead of manual quoting and appointment calls.",[17],[19],[23,275,276,277],"recommendation-and-personalization","document-processing","prediction-and-scoring","employee-facing","freight-brokerage",3,[282,283,284],"C.H. Robinson","J.B. Hunt Transport Services","Uber Freight","B",{"kpi":287,"label":288,"unit":194,"n":260,"nUpTo":256,"kind":289,"value":290,"qualifier":195,"claimant":291,"organization":284,"vendorReported":179},"conversion-rate-uplift","Conversion uplift","reported",12,"organization","2026-09-28",{"slug":294,"title":295,"shortTitle":296,"definition":297,"status":9,"industries":298,"functions":302,"patterns":303,"audience":305,"autonomy":29,"adoptionStage":30,"evidenceCount":306,"publicEvidenceCount":306,"organizations":307,"bestGrade":207,"headline":312,"lastVerified":317,"indexable":200},"autonomous-rfq-and-tail-spend-sourcing","AI agent for autonomous RFQ and tail spend sourcing","RFQ and tail spend sourcing","Autonomous RFQ sourcing is AI that sends requests for quotation to suppliers, compares the bids and recommends or makes the award for small purchases, within rules a buyer sets. It covers the tail of spend, the many low value or repeat requests that buyers rarely have time to compete, and hands complex or high value events to a person.",[299,300,301,17],"cross-industry","energy-and-utilities","technology",[20,19],[23,276,304],"content-generation","back-office",4,[308,309,310,311],"bp","G42","Massachusetts Bay Transportation Authority (MBTA)","Snowflake",{"kpi":313,"label":314,"unit":194,"n":315,"nUpTo":256,"kind":289,"value":316,"qualifier":195,"claimant":197,"organization":309,"vendorReported":200},"processing-time-reduction","Cycle time reduction",2,75,"2026-10-13",{"slug":319,"title":320,"shortTitle":321,"definition":322,"status":9,"industries":323,"functions":324,"patterns":326,"audience":28,"autonomy":29,"adoptionStage":30,"evidenceCount":328,"publicEvidenceCount":329,"organizations":330,"bestGrade":285,"headline":340,"lastVerified":345,"indexable":200},"parcel-tracking-and-delivery-exception-agent","AI agent for parcel tracking and delivery exceptions","Parcel tracking and delivery exceptions","An AI agent for parcel tracking and delivery exceptions answers \"where is my parcel\" and resolves delivery exceptions for parcel carriers and postal operators. It handles issues such as missed deliveries, redelivery or a change of address or pickup point, delays, customs holds and lost or damaged parcel claims, on chat, messaging and phone, and hands disputes and claims above set limits to a human with the tracking history attached.",[17],[325,19],"customer-service",[24,22,23,327],"classification-and-routing",10,9,[331,332,333,334,335,336,337,338,339],"Aramex","Chronopost","DPD Belgium","DPD Deutschland","DPD UK","Evri","Overseas Express","PostNL","SPL (Saudi Post)",{"kpi":341,"label":342,"unit":194,"n":280,"nUpTo":256,"kind":343,"value":344,"qualifier":195,"claimant":209,"organization":209,"vendorReported":179},"containment-rate","Containment rate","median",85,"2026-09-27",{"slug":347,"title":348,"shortTitle":349,"definition":350,"status":9,"industries":351,"functions":354,"patterns":355,"audience":28,"autonomy":29,"adoptionStage":357,"segment":358,"evidenceCount":359,"publicEvidenceCount":360,"organizations":361,"bestGrade":285,"headline":379,"lastVerified":345,"indexable":200},"account-and-card-servicing-agent","AI agent for account and card servicing","Account and card servicing","An AI account and card servicing agent is an AI agent that resolves routine banking account and card requests for customers, end to end. It handles things like balances, statements, card blocks and replacements, PIN resets and limit changes, across app, web, messaging and phone, and hands anything sensitive or unusual to a human with the full context.",[352,353],"banking","payments",[325,19],[24,22,23,356],"rag-knowledge-assistant","mainstream","front-office",19,17,[362,363,364,365,366,367,368,369,370,371,372,373,374,375,376,377,378],"Abu Dhabi Commercial Bank (ADCB)","Abu Dhabi Islamic Bank (ADIB)","Arab Bank","BPCE Group","Commonwealth Bank of Australia","DBS Bank","Emirates Islamic","Emirates NBD","Equity Bank Kenya","Garanti BBVA","KB Kookmin Card","MONETA Money Bank","NatWest Group","Simple (Attijariwafa bank)","Trust Bank","Vision Bank","Zenith Bank",{"kpi":341,"label":342,"unit":194,"n":306,"nUpTo":256,"kind":343,"value":380,"qualifier":195,"claimant":209,"organization":209,"vendorReported":179},84.8,{"indexable":200,"reasons":382},[],[384,391,396,403,410,417,423,430,438,445,451,457,463,470,476,480,486,492,498,504,511,516,521,527,532,539,544,549,556,561,569,575,581,587,592,598,603,609],{"id":138,"label":385,"issuer":386,"region":387,"url":388,"description":389,"useCases":390,"indexable":200},"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.",306,{"id":139,"label":392,"issuer":386,"region":387,"url":393,"description":394,"useCases":395,"indexable":200},"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.",276,{"id":397,"label":398,"issuer":399,"region":234,"url":400,"description":401,"useCases":402,"indexable":200},"iso-42001","ISO\u002FIEC 42001","ISO and IEC","https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F81230.html","The international management system standard for AI.",150,{"id":404,"label":405,"issuer":406,"region":145,"url":407,"description":408,"useCases":409,"indexable":200},"nist-ai-rmf","NIST AI Risk Management Framework","NIST","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":411,"label":412,"issuer":413,"region":387,"url":414,"description":415,"useCases":416,"indexable":200},"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.",86,{"id":418,"label":419,"issuer":386,"region":387,"url":420,"description":421,"useCases":422,"indexable":200},"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":424,"label":425,"issuer":426,"region":387,"url":427,"description":428,"useCases":429,"indexable":200},"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":431,"label":432,"issuer":433,"region":434,"url":435,"description":436,"useCases":437,"indexable":200},"mas-ai-risk-management","MAS AI risk management guidelines","Monetary Authority of Singapore","asia-pacific","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":439,"label":440,"issuer":441,"region":434,"url":442,"description":443,"useCases":444,"indexable":200},"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":446,"label":447,"issuer":386,"region":387,"url":448,"description":449,"useCases":450,"indexable":200},"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":452,"label":453,"issuer":454,"region":234,"url":455,"description":456,"useCases":450,"indexable":200},"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":458,"label":459,"issuer":460,"region":145,"url":461,"description":462,"useCases":450,"indexable":200},"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":464,"label":465,"issuer":466,"region":145,"url":467,"description":468,"useCases":469,"indexable":200},"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":471,"label":472,"issuer":473,"region":387,"url":474,"description":475,"useCases":193,"indexable":200},"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.",{"id":140,"label":477,"issuer":144,"region":145,"url":478,"description":479,"useCases":360,"indexable":200},"Telephone Consumer Protection Act","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.",{"id":481,"label":482,"issuer":386,"region":387,"url":483,"description":484,"useCases":485,"indexable":200},"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":487,"label":488,"issuer":489,"region":234,"url":490,"description":491,"useCases":485,"indexable":200},"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":493,"label":494,"issuer":386,"region":387,"url":495,"description":496,"useCases":497,"indexable":200},"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":499,"label":500,"issuer":501,"region":234,"url":502,"description":503,"useCases":497,"indexable":200},"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":505,"label":506,"issuer":507,"region":145,"url":508,"description":509,"useCases":510,"indexable":200},"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.",13,{"id":512,"label":513,"issuer":386,"region":387,"url":514,"description":515,"useCases":510,"indexable":200},"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":517,"label":518,"issuer":386,"region":387,"url":519,"description":520,"useCases":510,"indexable":200},"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":522,"label":523,"issuer":524,"region":145,"url":525,"description":526,"useCases":290,"indexable":200},"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.",{"id":528,"label":529,"issuer":386,"region":387,"url":530,"description":531,"useCases":290,"indexable":200},"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":533,"label":534,"issuer":535,"region":387,"url":536,"description":537,"useCases":538,"indexable":200},"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":540,"label":541,"issuer":386,"region":387,"url":542,"description":543,"useCases":538,"indexable":200},"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":545,"label":546,"issuer":433,"region":434,"url":547,"description":548,"useCases":328,"indexable":200},"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.",{"id":550,"label":551,"issuer":552,"region":145,"url":553,"description":554,"useCases":555,"indexable":200},"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":557,"label":558,"issuer":386,"region":387,"url":559,"description":560,"useCases":555,"indexable":200},"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":562,"label":563,"issuer":564,"region":565,"url":566,"description":567,"useCases":568,"indexable":200},"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.",6,{"id":570,"label":571,"issuer":386,"region":387,"url":572,"description":573,"useCases":574,"indexable":200},"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":576,"label":577,"issuer":578,"region":387,"url":579,"description":580,"useCases":574,"indexable":200},"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":582,"label":583,"issuer":584,"region":434,"url":585,"description":586,"useCases":306,"indexable":200},"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":588,"label":589,"issuer":433,"region":434,"url":590,"description":591,"useCases":306,"indexable":200},"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":593,"label":594,"issuer":595,"region":387,"url":596,"description":597,"useCases":306,"indexable":200},"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":599,"label":600,"issuer":386,"region":387,"url":601,"description":602,"useCases":280,"indexable":200},"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":604,"label":605,"issuer":606,"region":145,"url":607,"description":608,"useCases":280,"indexable":200},"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":610,"label":611,"issuer":612,"region":565,"url":613,"description":614,"useCases":280,"indexable":200},"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.",1794496897904]