[{"data":1,"prerenderedAt":583},["ShallowReactive",2],{"uc-in-car-ai-voice-assistant":3,"uc-regulations":373},{"useCase":4,"evidence":189,"blitsAiDeployments":285,"benchmarks":286,"indicative":287,"related":290,"indexability":371,"includeUnpublished":195},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":17,"functions":19,"patterns":22,"channels":27,"audience":29,"autonomy":30,"adoptionStage":31,"segment":32,"problem":33,"problemStats":34,"howItWorks":35,"valueDrivers":36,"kpis":41,"indicativeValue":47,"macroEstimates":79,"feasibility":80,"implementation":94,"risk":137,"blitsAi":171,"faq":173,"related":183,"datePublished":184,"dateModified":184,"lastVerified":184,"changelog":185,"slug":188},"Generative AI voice assistant in the car","In car voice assistant","In car AI voice assistant for car makers","LLM voice assistants let drivers talk to the car in plain language. Volkswagen added ChatGPT to IDA and Mercedes-Benz offered its update to over three million cars.","published","A voice assistant built into the vehicle that uses a large language model to hold a natural conversation with the driver and passengers, controls comfort, navigation and media functions, answers questions about the car and the world, and keeps the vehicle's own commands and data under the car maker's control.",[12,13,14,15,16],"in car voice assistant","connected car AI assistant","generative AI car assistant","LLM voice assistant for vehicles","automotive virtual assistant",[18],"automotive",[20,21],"customer-service","product-and-pricing",[23,24,25,26],"voice-agent","conversational-agent","rag-knowledge-assistant","agentic-workflow",[28],"voice","customer-facing","autonomous","early-adopters","connected-car","Modern cars have many functions behind touchscreens and menus, and drivers should keep\ntheir eyes on the road. First generation voice control only understood fixed commands in a fixed\norder: say it slightly differently and it failed, which leaves drivers with menus, the manual or\na question to the dealer.\n\nLarge language models change what the assistant can understand, but a car is not a phone. The\nassistant has to work with patchy connectivity, answer in a split second, never distract, keep\nvehicle and location data private, and separate harmless requests (a warmer seat, a restaurant\nnearby) from anything that touches driving. Car makers also want to own the experience and the\nbrand voice rather than hand the cabin to a third party assistant.",[],"1. **Wake and listen.** The driver says the wake word or presses the steering wheel button; speech\n   recognition runs on board for commands and in the cloud for open questions.\n2. **Decide who answers.** Vehicle commands (climate, seats, media, navigation) stay in the car\n   maker's own system. Only questions it cannot answer go to a language model, anonymized and\n   without vehicle data, as Volkswagen describes for IDA.\n3. **Ground the answer.** Knowledge questions use a web search or a maps platform, and questions\n   about the car use the owner's manual and vehicle status, so answers are current and specific.\n4. **Keep the conversation.** The assistant remembers the dialogue for a limited time, so follow up\n   questions work without repeating the context.\n5. **Answer in the brand voice and act.** The reply is spoken in the car maker's voice and, where\n   allowed, the assistant sets the function or starts navigation, then confirms what it did.\n6. **Learn safely.** Voice data is stored anonymized, answers are screened for harmful content,\n   and usage patterns can suggest routines the driver can accept or ignore.",[37,38,39,40],"customer-experience","revenue-growth","inclusion-and-access","cost-to-serve",[42,43,44,45,46],"users-served","interactions-handled","customer-satisfaction","contact-deflection","nps-change",{"referenceOrg":48,"inputs":49,"formula":74,"currency":75,"period":76,"resultLabel":77,"caveat":78},"A car maker with 1 million connected vehicles on the road",[50,55,62,67],{"key":51,"label":52,"low":53,"high":53,"unit":51,"note":54},"vehicles","Connected vehicles with the assistant",1000000,"The reference car maker.",{"key":56,"label":57,"low":58,"high":59,"unit":60,"note":61},"featureContacts","Contacts to brand customer service or the dealer about how a vehicle function works",0.1,0.3,"contacts per vehicle per year","Editorial assumption, replace with your own contact reason data.",{"key":63,"label":64,"low":58,"high":59,"unit":65,"note":66},"deflection","Share of those contacts the assistant makes unnecessary","fraction of feature contacts","Editorial assumption. None of the car makers on this page discloses usage or deflection figures.",{"key":68,"label":69,"low":70,"high":71,"unit":72,"note":73},"costPerContact","Cost of a handled contact",5,10,"USD per contact","Editorial assumption for a blended phone and chat contact, replace with your own cost.","vehicles * featureContacts * deflection * costPerContact","USD","per year","Customer service cost avoided on feature questions","Covers service cost only. It leaves out the main reasons car makers build this (product differentiation, connected services revenue and brand loyalty), the cost of cloud models and speech processing per vehicle, and the integration and validation work in the vehicle.",[],{"complexity":81,"complexityNote":82,"dataPrerequisites":83,"integrations":88},"high","Hybrid on board and cloud processing, low latency speech in a noisy cabin, many languages and accents, strict separation from driving functions, over the air updates and privacy by design across millions of vehicles make this a platform program rather than a feature.",[84,85,86,87],"A catalog of vehicle commands and the functions the assistant may set, per model and market","Owner's manuals and feature descriptions in every supported language","Vehicle status signals the assistant may read, with a privacy classification per signal","Anonymized samples of real utterances to test recognition and answers",[89,90,91,92,93],"Head unit and vehicle operating system for commands and status","Connected car cloud and over the air update pipeline","Speech recognition and synthesis with a brand voice","Language model and web search or maps platform for open questions","Companion app and customer account for consent and settings",{"steps":95,"guardrails":111,"humanInTheLoop":117,"kpisToInstrument":118,"failureModes":124},[96,99,102,105,108],{"title":97,"detail":98},"Draw the line between commands and conversation","List which requests the vehicle system keeps, which go to the language model and which are refused, and never let the model reach functions that affect driving.",{"title":100,"detail":101},"Design privacy in from the start","Decide what leaves the car, how it is anonymized, how long dialogue memory lasts, how the driver switches the online assistant off and how consent is recorded in the account.",{"title":103,"detail":104},"Ground answers about the car","Load owner's manuals and feature descriptions per model and market into retrieval, so the assistant explains the driver's own car rather than a generic one.",{"title":106,"detail":107},"Test in the cabin, not the lab","Test with road noise, accents, passengers talking and weak connectivity, and measure recognition, latency and task success per language before launch.",{"title":109,"detail":110},"Launch per language and market, then update over the air","Start with a few languages in new vehicles, extend to cars on the road by software update and add functions such as routines only after they pass the same tests.",[112,113,114,115,116],"No access for the language model to driving, safety or security functions","Only anonymized text leaves the vehicle, without vehicle identifiers or location unless the driver asked for a place","Content screening of answers for harmful, illegal or distracting content","A clear way to switch the online assistant off, and short retention of dialogue history","Spoken answers kept short to limit driver distraction","There is no human in the conversation, so the human control sits in design and operations: product and safety teams approve every new function the assistant may set, reviewers sample anonymized dialogues for wrong or unsafe answers, and customer service handles complaints and feedback about the assistant.",[119,120,121,122,123],"Share of active vehicles that use the assistant each month","Task success rate per request type and language","Latency from end of speech to start of the answer","Share of answers flagged as wrong or unsafe in reviews","Customer service contacts about vehicle functions per 1,000 vehicles",[125,128,131,134],{"title":126,"detail":127},"Confident answers about the wrong car","The model explains a feature the driver's model or trim does not have. Ground answers in the manual for that vehicle and say when a feature is not available.",{"title":129,"detail":130},"Latency that drivers will not accept","A cloud round trip that takes several seconds makes people give up. Keep commands on board and stream the answer.",{"title":132,"detail":133},"Privacy surprises","Drivers discover that voice or location data left the car without them knowing. Make data flows, retention and the off switch visible.",{"title":135,"detail":136},"Distraction by design","Long, chatty answers pull attention from the road. Limit answer length and avoid anything that invites the driver to look at a screen.",{"euAiAct":138,"regulations":141,"guidance":146,"controls":164,"incidents":170},{"tier":139,"basis":140},"limited","Article 50(1): people must be informed that they are interacting with an AI system unless that is obvious from the context. Article 50(2): synthetic audio output must be marked as artificially generated. A cabin assistant for comfort, media, navigation and knowledge questions is not an Annex III use. It would move towards the high risk regime if it became a safety component of the vehicle: vehicle type approval legislation is listed in Annex I Section B, and under Article 2(2) the high risk requirements reach those products only through the amendments the AI Act makes to that legislation. Keep driving and safety functions out of its reach.",[142,143,144,145],"eu-ai-act","gdpr","nist-ai-rmf","iso-42001",[147,153,159],{"title":148,"issuer":149,"region":150,"url":151,"note":152},"Guidelines 01/2020 on processing personal data in the context of connected vehicles and mobility related applications","European Data Protection Board","europe","https://www.edpb.europa.eu/our-work-tools/our-documents/guidelines/guidelines-012020-processing-personal-data-context_en","Sets out how GDPR applies to data processed in and sent from connected vehicles, including consent, minimization and local processing.",{"title":154,"issuer":155,"region":156,"url":157,"note":158},"Visual manual NHTSA driver distraction guidelines for in vehicle electronic devices","US National Highway Traffic Safety Administration","north-america","https://www.federalregister.gov/documents/2013/04/26/2013-09883/visual-manual-nhtsa-driver-distraction-guidelines-for-in-vehicle-electronic-devices","US guidelines to limit the distraction caused by in vehicle devices, relevant to how much the assistant shows on screen and asks of the driver by hand. Auditory vocal interaction itself is outside their scope.",{"title":160,"issuer":161,"region":150,"url":162,"note":163},"Article 50, transparency obligations for providers and deployers of certain AI systems","European Union","https://artificialintelligenceact.eu/article/50/","Requires disclosure that people are interacting with AI and marking of synthetic audio.",[165,166,167,168,169],"Documented allow list of vehicle functions the assistant may control, approved by product safety","Data protection impact assessment covering voice, location and vehicle data","Anonymization and retention rules enforced in the cloud pipeline","Regression test suites per language and model before every over the air release","Monitoring of harmful or wrong answers with a fast rollback path",[],{"howToBuild":172},"Commands that run in the head unit stay in the car maker's vehicle software. Blits.ai fits the\ncloud side: an **AI agent** reached through the REST or WebSocket API channel from the vehicle\ncloud or the companion app, with a **knowledge base** of owner's manuals and feature descriptions\nretrieved with hybrid search, and **custom functions** that call the car maker's connected car APIs\nfor allowed actions such as preconditioning or finding a charging point.\n\nSpeech recognition and synthesis stay on the car maker's side, in the head unit or its own\nspeech stack, which exchanges text with the agent. **Multi language** support covers several\nmarkets from one agent, **guardrails** screen input and output, and **PII masking** removes personal data before text reaches a model. **Test suites**\nrun multi turn conversations per language on every change, and the platform is model agnostic,\nwith EU and UAE data residency, so the car maker can choose or switch the model per market.",[174,177,180],{"question":175,"answer":176},"Which car makers use a generative AI voice assistant?","Volkswagen added ChatGPT to its IDA voice assistant in 2024 through Cerence, for new ID. models, the Golf, Tiguan and Passat. Mercedes-Benz made a ChatGPT and Bing based knowledge feature in the MBUX Voice Assistant available to over three million vehicles in December 2024, and BMW introduced the German language version of its Alexa+ based Intelligent Personal Assistant in the iX3, from mid April 2026 production.",{"question":178,"answer":179},"How do car makers keep voice data private?","Volkswagen forwards only questions its own system cannot answer, anonymously, gives ChatGPT no vehicle data and deletes questions and answers immediately. Mercedes-Benz stores voice data anonymized in its own cloud. The EDPB guidelines on connected vehicles set the GDPR baseline.",{"question":181,"answer":182},"Is an in car AI assistant high risk under the EU AI Act?","Usually not: it carries the Article 50 transparency duties. It would move towards the high risk regime if it became a safety component of the vehicle, so keep it away from driving functions.",[],"2026-09-27",[186],{"date":184,"note":187},"First published","in-car-ai-voice-assistant",[190,221,258],{"title":191,"useCases":192,"organization":193,"vendors":197,"summary":201,"stage":202,"year":203,"channels":204,"languages":205,"metrics":207,"outcomeDisclosed":195,"sources":208,"verification":216,"grade":218,"id":219,"organizationSlug":220},"BMW: Intelligent Personal Assistant with Amazon Alexa+ large language model technology",[188],{"name":194,"anonymized":195,"country":196,"region":150,"industry":18},"BMW Group",false,"DE",[198],{"name":199,"role":200},"Amazon","platform","BMW rebuilt its Intelligent Personal Assistant on Amazon's Alexa Custom Assistant with Alexa+ large language model technology, so drivers can hold natural conversations, ask several questions in one sentence about vehicle functions or general knowledge, and have the assistant recognize context. BMW introduced the German language version in the new BMW iX3 from mid April 2026 production; earlier iX3 vehicles were due to receive it by software update from the end of May 2026. BMW plans other markets and further models on BMW Operating System 9 and X from the second half of 2026. The assistant suggests routines from daily usage patterns, and from July 2026 BMW Operating System X adds new options for creating routines.","production",2026,[28],[206],"de",[],[209,213],{"url":210,"title":211,"publisher":212},"https://www.press.bmwgroup.com/global/article/detail/T0458171EN/bmw-model-updates-summer-2026?language=en","BMW model updates summer 2026","BMW Group PressClub",{"url":214,"title":215,"publisher":212},"https://www.press.bmwgroup.com/global/article/detail/T0454477EN/a-milestone-for-human-vehicle-interaction-bmw-intelligent-personal-assistant-expanded-to-include-amazon-alexa-technology?language=en","A Milestone for Human-Vehicle Interaction. BMW Intelligent Personal Assistant expanded to include Amazon Alexa + Technology.",{"level":217,"checkedAt":184},"source-verified","B","bmw-intelligent-personal-assistant-alexa-plus","bmw-group",{"title":222,"useCases":223,"organization":224,"vendors":226,"summary":232,"stage":233,"year":234,"channels":235,"languages":236,"metrics":238,"outcomeDisclosed":195,"sources":239,"verification":255,"grade":218,"id":256,"organizationSlug":257},"Mercedes-Benz: generative AI knowledge feature in the MBUX Voice Assistant and announced Gemini based conversational navigation",[188],{"name":225,"anonymized":195,"country":196,"region":150,"industry":18},"Mercedes-Benz Group",[227,230],{"name":228,"role":229},"Microsoft","model-provider",{"name":231,"role":200},"Google Cloud","After a US beta of ChatGPT in 2023, Mercedes-Benz brought a general knowledge function to series production vehicles in December 2024: the MBUX Voice Assistant runs a Microsoft Bing search and answers in natural language with ChatGPT through Azure OpenAI Service, keeps the dialogue for up to one hour for follow up questions, stores voice data anonymized in its own cloud and uses a risk assessment tool to reduce harmful answers. Mercedes-Benz announced it as a free update for over three million vehicles in German and English. In January 2025 it announced Gemini based conversational search for points of interest with Google Cloud's Automotive AI Agent, starting in the new CLA.","scaled",2024,[28],[206,237],"en",[],[240,245,250],{"url":241,"title":242,"publisher":243,"date":244},"https://www.conceptcarz.com/a56010/human-like-conversations-mercedes-benz-enabled-mbux-voice-assistant-ai-driven-knowledge-feature.aspx","Human-like conversations with your Mercedes-Benz: Enabled by MBUX Voice Assistant and AI-driven knowledge feature","Mercedes-Benz (press release republished by conceptcarz.com)","2024-12-18",{"url":246,"title":247,"publisher":248,"date":249},"https://www.googlecloudpresscorner.com/2025-01-13-Mercedes-Benz-and-Google-Partner-on-AI-powered-Conversational-Search-within-Navigation-Systems","Mercedes-Benz and Google Partner on AI-powered Conversational Search within Navigation Systems","Google Cloud and Mercedes-Benz","2025-01-13",{"url":251,"title":252,"publisher":225,"date":253,"archivedUrl":254},"https://group.mercedes-benz.com/innovation/digitalisation/connectivity/car-voice-control-with-chatgpt.html","Mercedes-Benz takes in-car voice control to a new level with ChatGPT","2023-06-16","https://web.archive.org/web/2026/https://group.mercedes-benz.com/innovation/digitalisation/connectivity/car-voice-control-with-chatgpt.html",{"level":217,"checkedAt":184},"mercedes-benz-mbux-generative-ai-voice-assistant",null,{"title":259,"useCases":260,"organization":261,"vendors":263,"summary":268,"stage":233,"year":234,"channels":269,"languages":270,"metrics":273,"outcomeDisclosed":195,"sources":274,"verification":283,"grade":218,"id":284,"organizationSlug":257},"Volkswagen: ChatGPT in the IDA voice assistant across new and existing models",[188],{"name":262,"anonymized":195,"country":196,"region":150,"industry":18},"Volkswagen",[264,266],{"name":265,"role":200},"Cerence",{"name":267,"role":229},"OpenAI","Volkswagen added ChatGPT to its IDA voice assistant through Cerence Chat Pro. IDA keeps handling vehicle functions such as infotainment, navigation and climate control; only questions its own system cannot answer are forwarded anonymously to ChatGPT, and the answer is read out in the familiar Volkswagen voice. ChatGPT gets no access to vehicle data, questions and answers are deleted immediately, and drivers can switch the online assistant off. It launched in 2024 in all new ID. models, the new Golf, Tiguan and Passat, in five languages, and Cerence reports that it reached cars already on the road by cloud update across Volkswagen, Cupra, Seat and Skoda.",[28],[237,206,271,272],"es","cs",[],[275,279],{"url":276,"title":277,"publisher":278},"https://www.volkswagen-group.com/en/articles/chatgpt-is-now-available-in-many-volkswagen-models-18464","ChatGPT is now available in many Volkswagen models","Volkswagen Group",{"url":280,"title":281,"publisher":265,"date":282},"https://investors.cerence.com/news-events/press-releases/detail/127/volkswagen-and-cerence-commence-roll-out-of-new-generative-ai-solutions-to-drivers","Volkswagen and Cerence Commence Roll-Out of New Generative AI Solutions to Drivers","2024-06-24",{"level":217,"checkedAt":184},"volkswagen-ida-voice-assistant-chatgpt",0,[],{"low":288,"high":289},50000,900000,[291,321,341,355],{"slug":292,"title":293,"shortTitle":294,"definition":295,"status":9,"industries":296,"functions":298,"patterns":300,"audience":29,"autonomy":303,"adoptionStage":31,"segment":304,"evidenceCount":70,"publicEvidenceCount":70,"organizations":305,"bestGrade":218,"headline":311,"lastVerified":184,"indexable":320},"business-connectivity-quoting-and-service-assistant","AI assistant for B2B telecom quoting, sales and service","B2B quoting and service","An AI assistant that serves business customers of a telecom operator and the sellers who look after them: it answers product, pricing and contract questions, prepares configurations and quotes for connectivity, mobile fleets and devices, drafts responses to tenders, and handles routine service requests and fault tickets, with a sales or service specialist approving anything binding.",[297],"telecommunications",[299,20,21],"sales",[24,25,26,301,302],"recommendation-and-personalization","content-generation","supervised-agent","front-office",[306,307,308,309,310],"Lumen Technologies","SoftBank Corp.","Telefónica España","Verizon","Vodafone Business",{"kpi":312,"label":313,"unit":314,"n":315,"nUpTo":285,"kind":316,"value":317,"qualifier":318,"claimant":319,"organization":307,"vendorReported":195},"containment-rate","Containment rate","percent",1,"reported",70,"exact","organization",true,{"slug":322,"title":323,"shortTitle":324,"definition":325,"status":9,"industries":326,"functions":329,"patterns":331,"audience":29,"autonomy":303,"adoptionStage":332,"segment":304,"evidenceCount":333,"publicEvidenceCount":334,"organizations":335,"bestGrade":218,"headline":338,"lastVerified":184,"indexable":320},"account-and-card-servicing-agent","AI agent for account and card servicing","Account and card servicing","An AI agent that resolves routine account and card requests end to end, such as 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.",[327,328],"banking","payments",[20,330],"operations",[24,23,26,25],"mainstream",4,2,[336,337],"Commonwealth Bank of Australia","DBS Bank",{"kpi":312,"label":313,"unit":314,"n":334,"nUpTo":285,"kind":316,"value":339,"qualifier":340,"claimant":319,"organization":337,"vendorReported":195},90,"approximately",{"slug":342,"title":343,"shortTitle":344,"definition":345,"status":9,"industries":346,"functions":348,"patterns":349,"audience":29,"autonomy":303,"adoptionStage":31,"evidenceCount":350,"publicEvidenceCount":350,"organizations":351,"bestGrade":218,"headline":257,"lastVerified":184,"indexable":320},"apartment-leasing-and-resident-service-agent","AI agent for apartment leasing inquiries and resident service","Leasing and resident service agent","An AI agent that answers rental prospects and residents by chat, text, email and phone for a property manager: it answers questions about apartments and policies, books tours, takes maintenance requests, sends renewal and payment reminders, and hands anything that needs judgment to leasing or service staff.",[347],"real-estate",[20,299,330],[24,23,26,25],3,[352,353,354],"Asset Living","AvalonBay Communities","Equity Residential",{"slug":356,"title":357,"shortTitle":358,"definition":359,"status":9,"industries":360,"functions":364,"patterns":365,"audience":29,"autonomy":30,"adoptionStage":31,"evidenceCount":333,"publicEvidenceCount":333,"organizations":366,"bestGrade":218,"headline":257,"lastVerified":184,"indexable":320},"branch-and-appointment-booking-agent","AI agent for branch finding and appointment booking","Branch and appointment booking","A conversational agent that finds the nearest suitable location, checks opening hours and which services it offers, books an in person or video appointment with the right specialist, and records the reason for the visit so staff are prepared. In banking it answers \"where is my nearest branch\" and books the mortgage or business banker; the same job exists in retail, healthcare and property.",[361,327,362,363,347],"cross-industry","retail-and-ecommerce","healthcare",[20,299],[24,26,25,23],[367,368,369,370],"Bank of America","Best Buy","Hemominas","MOGUL.sg",{"indexable":320,"reasons":372},[],[374,379,384,391,397,403,410,417,425,432,439,445,452,459,465,470,477,483,489,495,501,507,512,517,522,529,536,541,547,554,560,566,572,577],{"id":142,"label":375,"issuer":161,"region":150,"url":376,"description":377,"useCases":378,"indexable":320},"EU AI Act","https://eur-lex.europa.eu/eli/reg/2024/1689/oj","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":143,"label":380,"issuer":161,"region":150,"url":381,"description":382,"useCases":383,"indexable":320},"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":145,"label":385,"issuer":386,"region":387,"url":388,"description":389,"useCases":390,"indexable":320},"ISO/IEC 42001","ISO and IEC","global","https://www.iso.org/standard/81230.html","The international management system standard for AI.",110,{"id":144,"label":392,"issuer":393,"region":156,"url":394,"description":395,"useCases":396,"indexable":320},"NIST AI Risk Management Framework","NIST","https://www.nist.gov/itl/ai-risk-management-framework","Voluntary US framework to map, measure, manage and govern AI risk, with a generative AI profile.",83,{"id":398,"label":399,"issuer":161,"region":150,"url":400,"description":401,"useCases":402,"indexable":320},"dora","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":404,"label":405,"issuer":406,"region":150,"url":407,"description":408,"useCases":409,"indexable":320},"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":411,"label":412,"issuer":413,"region":150,"url":414,"description":415,"useCases":416,"indexable":320},"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":418,"label":419,"issuer":420,"region":421,"url":422,"description":423,"useCases":424,"indexable":320},"mas-ai-risk-management","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":426,"label":427,"issuer":428,"region":421,"url":429,"description":430,"useCases":431,"indexable":320},"apra-cps-230","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.",25,{"id":433,"label":434,"issuer":435,"region":387,"url":436,"description":437,"useCases":438,"indexable":320},"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":440,"label":441,"issuer":442,"region":156,"url":443,"description":444,"useCases":438,"indexable":320},"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":446,"label":447,"issuer":448,"region":150,"url":449,"description":450,"useCases":451,"indexable":320},"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.",16,{"id":453,"label":454,"issuer":455,"region":387,"url":456,"description":457,"useCases":458,"indexable":320},"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.",15,{"id":460,"label":461,"issuer":161,"region":150,"url":462,"description":463,"useCases":464,"indexable":320},"eu-amlr","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":466,"label":467,"issuer":161,"region":150,"url":468,"description":469,"useCases":464,"indexable":320},"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":471,"label":472,"issuer":473,"region":156,"url":474,"description":475,"useCases":476,"indexable":320},"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":478,"label":479,"issuer":161,"region":150,"url":480,"description":481,"useCases":482,"indexable":320},"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":484,"label":485,"issuer":486,"region":156,"url":487,"description":488,"useCases":482,"indexable":320},"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":490,"label":491,"issuer":492,"region":387,"url":493,"description":494,"useCases":482,"indexable":320},"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":496,"label":497,"issuer":161,"region":150,"url":498,"description":499,"useCases":500,"indexable":320},"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":502,"label":503,"issuer":504,"region":156,"url":505,"description":506,"useCases":500,"indexable":320},"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":508,"label":509,"issuer":420,"region":421,"url":510,"description":511,"useCases":71,"indexable":320},"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.",{"id":513,"label":514,"issuer":161,"region":150,"url":515,"description":516,"useCases":71,"indexable":320},"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":518,"label":519,"issuer":161,"region":150,"url":520,"description":521,"useCases":71,"indexable":320},"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":523,"label":524,"issuer":525,"region":150,"url":526,"description":527,"useCases":528,"indexable":320},"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":530,"label":531,"issuer":532,"region":156,"url":533,"description":534,"useCases":535,"indexable":320},"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.",8,{"id":537,"label":538,"issuer":161,"region":150,"url":539,"description":540,"useCases":535,"indexable":320},"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":542,"label":543,"issuer":161,"region":150,"url":544,"description":545,"useCases":546,"indexable":320},"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":548,"label":549,"issuer":550,"region":551,"url":552,"description":553,"useCases":70,"indexable":320},"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":555,"label":556,"issuer":557,"region":150,"url":558,"description":559,"useCases":333,"indexable":320},"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":561,"label":562,"issuer":563,"region":150,"url":564,"description":565,"useCases":333,"indexable":320},"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":567,"label":568,"issuer":569,"region":421,"url":570,"description":571,"useCases":350,"indexable":320},"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":573,"label":574,"issuer":161,"region":150,"url":575,"description":576,"useCases":350,"indexable":320},"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":578,"label":579,"issuer":580,"region":156,"url":581,"description":582,"useCases":350,"indexable":320},"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.",1790598307289]