[{"data":1,"prerenderedAt":595},["ShallowReactive",2],{"uc-publisher-archive-answer-engine":3,"uc-regulations":384},{"useCase":4,"evidence":186,"blitsAiDeployments":289,"benchmarks":290,"indicative":291,"related":294,"indexability":382,"includeUnpublished":192},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":18,"patterns":20,"channels":24,"audience":27,"autonomy":28,"adoptionStage":29,"problem":30,"problemStats":31,"howItWorks":42,"valueDrivers":43,"kpis":47,"indicativeValue":53,"macroEstimates":87,"feasibility":88,"implementation":99,"risk":142,"blitsAi":168,"faq":170,"related":180,"datePublished":181,"dateModified":181,"lastVerified":181,"changelog":182,"slug":185},"AI answer engine for readers built on a publisher's own journalism","Publisher archive answer engine","AI answer engine for news publishers","Publishers answer reader questions with AI and citations. The Washington Post and the Financial Times answer only from their own reporting; TIME runs an agent too.","published","A generative AI search and answer tool on a publisher's own site or app that answers readers' questions only from that publisher's published journalism and archive, cites the articles it used, and declines to answer when its own reporting does not cover the question.",[12,13,14,15],"news archive chatbot","AI search for news publishers","ask the newsroom AI","publisher AI answer engine",[17],"media-and-entertainment",[19],"customer-service",[21,22,23],"rag-knowledge-assistant","conversational-agent","summarization",[25,26],"web-chat","mobile-app","customer-facing","autonomous","early-adopters","Readers increasingly ask AI chatbots and search engines for news instead of visiting a news site.\nThe answers are built from publishers' reporting, but the publisher loses the visit, the\nsubscriber relationship and the chance to show its depth. Archives are often hard to use even for\nthe publisher: TIME told Digital Content Next that its content sat in five different databases\ngoing back to the 1920s, some of it only as PDFs of magazines. Paying readers can struggle too:\nthe Financial Times found that FT Professional subscribers were looking for specific sources or\ndata points and struggled to find them quickly.\n\nGeneral AI assistants also get the news wrong. The BBC found significant issues in more than half\nof the answers four assistants gave to questions about the news, and Apple suspended its AI\nsummaries of news notifications after repeated mistakes. Publishers that answer with AI take\non the same risk under their own brand, so the design has to protect accuracy and attribution\nfirst.",[32,37],{"statement":33,"sourceTitle":34,"sourceUrl":35,"year":36},"The Reuters Institute Digital News Report 2026 finds that weekly use of AI chatbots such as ChatGPT, Perplexity and Google Gemini for news rose year on year from 7% to 10%.","Overview and key findings of the 2026 Digital News Report","https://reutersinstitute.politics.ox.ac.uk/digital-news-report/2026/dnr-executive-summary",2026,{"statement":38,"sourceTitle":39,"sourceUrl":40,"year":41},"BBC research found that 51% of all AI answers to questions about the news were judged to have significant issues of some form.","Groundbreaking BBC research shows issues with over half the answers from Artificial Intelligence (AI) assistants","https://www.bbc.co.uk/mediacentre/2025/bbc-research-shows-issues-with-answers-from-artificial-intelligence-assistants",2025,"1. **Index the journalism.** Published articles, and where rights allow the digitized archive,\n   are indexed with their dates, bylines, sections and corrections. New articles are indexed as\n   they publish.\n2. **Retrieve and rank.** A reader's question is matched against the index with semantic and\n   keyword search, favoring recent and relevant reporting.\n3. **Answer only above a threshold.** If no article scores above a relevance threshold, the tool\n   says it cannot answer rather than filling the gap from general knowledge.\n4. **Answer with sources.** The answer summarizes the retrieved reporting and links every point to\n   the articles it came from, with dates, so readers can check and read on. Some tools also\n   translate answers or read them aloud, as TIME's agent does in 13 languages, which opens the\n   reporting to readers who prefer another language or audio.\n5. **Label and learn.** The tool is labeled as AI generated and experimental where needed,\n   readers can flag bad answers, and editors review flagged answers and the most asked questions.",[44,45,46],"customer-experience","revenue-growth","inclusion-and-access",[48,49,50,51,52],"users-served","interactions-handled","churn-reduction","customer-satisfaction","accuracy",{"referenceOrg":54,"inputs":55,"formula":82,"currency":83,"period":84,"resultLabel":85,"caveat":86},"A subscription news publisher with 100,000 paying subscribers",[56,61,68,75],{"key":57,"label":58,"low":59,"high":59,"unit":57,"note":60},"subscribers","Paying subscribers",100000,"The reference publisher.",{"key":62,"label":63,"low":64,"high":65,"unit":66,"note":67},"usageShare","Share of subscribers who use the answer engine regularly",0.05,0.15,"fraction of subscribers","Editorial assumption, replace with your own usage data.",{"key":69,"label":70,"low":71,"high":72,"unit":73,"note":74},"churnPointsAvoided","Reduction in annual churn among regular users",0.01,0.03,"fraction of users (percentage points as a fraction)","Editorial assumption. The Financial Times says Ask FT supports retention of key accounts but publishes no figure, and the return rate Digital Content Next reports for users of TIME's agent is not a controlled comparison.",{"key":76,"label":77,"low":78,"high":79,"unit":80,"note":81},"subscriptionValue","Annual revenue per subscriber",100,300,"USD per subscriber per year","Editorial assumption, replace with your own average revenue per subscriber.","subscribers * usageShare * churnPointsAvoided * subscriptionValue","USD","per year","Subscription revenue retained","A retention effect only, and hard to separate from the fact that engaged readers are the ones who use the tool. It leaves out model and search costs, which rise with usage, editorial time for review, any conversion or advertising value, and the reputational cost of a wrong answer.",[],{"complexity":89,"complexityNote":90,"dataPrerequisites":91,"integrations":95},"medium","Retrieval over clean article data is well understood. The hard parts are archive digitization and rights, a relevance threshold that refuses often enough, source linking, cost control as usage grows, and editorial ownership of a product that speaks in the newsroom's name.",[92,93,94],"Structured article data with dates, authors, sections, updates and corrections","Clear rights to use archive, wire and syndicated content in AI answers","An editorial policy for AI generated answers and how corrections apply to them",[96,97,98],"Content management system and publishing pipeline for near real time indexing","Subscription and paywall system, to meter or gate answers","Analytics to measure return visits, reading and retention of users",{"steps":100,"guardrails":116,"humanInTheLoop":122,"kpisToInstrument":123,"failureModes":129},[101,104,107,110,113],{"title":102,"detail":103},"Start where the reporting is deepest","Launch on a bounded topic or franchise with a rich archive, as TIME did with its Person of the Year coverage before opening its wider archive. The Washington Post also ran smaller AI experiments, including Climate Answers, before Ask The Post AI.",{"title":105,"detail":106},"Set the refusal threshold first","Decide the relevance score below which the tool declines to answer, and test it on questions the publication has not covered. Refusing is better than answering from outside the reporting.",{"title":108,"detail":109},"Link every answer to articles","Show the source articles with dates next to each answer so readers can verify and read on, which also drives article consumption.",{"title":111,"detail":112},"Put editors in the loop","Give editors a daily view of flagged answers and top questions, a way to correct or block answers, and a rule for how corrections to articles flow into answers.",{"title":114,"detail":115},"Roll out in phases","Test internally, then with a small group of subscribers, then widely, as the Financial Times did, measuring answer quality, repeat use and cost per answer at each step.",[117,118,119,120,121],"Answers only from the publisher's own indexed journalism, never from general model knowledge","A relevance threshold below which the tool declines to answer","Source links with dates for every answer","Clear labeling as AI generated, with a way for readers to report errors","Handling of sensitive topics (elections, health, breaking news) with stricter thresholds or editor written answers","Editors own the product's scope and policy, review flagged and high traffic answers, correct or block answers that fall short of editorial standards, and decide which topics are excluded, especially fast moving breaking news.",[124,125,126,127,128],"Share of questions answered versus declined","Accuracy of answers on a weekly editor reviewed sample","Click through from answers to articles","Return visits and retention of users versus comparable non users","Cost per answer",[130,133,136,139],{"title":131,"detail":132},"Confident answers from thin coverage","The tool stretches a few articles into an answer the reporting does not support. Tune the threshold and review declined and borderline questions.",{"title":134,"detail":135},"Stale or corrected facts","Old articles contradict newer reporting or corrections. Rank by date, index corrections and show publication dates.",{"title":137,"detail":138},"Costs that scale with success","Model costs rise with every answer. Cache frequent answers and balance speed, accuracy and cost, as the Financial Times notes.",{"title":140,"detail":141},"Intrusive design","An AI box that crowds out the journalism annoys readers. Keep it optional and secondary to the article.",{"euAiAct":143,"regulations":146,"guidance":150,"controls":157,"incidents":163},{"tier":144,"basis":145},"limited","Article 50(1) requires that readers know they are interacting with AI. Article 50(4) requires deployers to disclose AI generated text published to inform the public on matters of public interest, unless the content has undergone human review or editorial control and a person holds editorial responsibility. Whether answers generated on demand for a single reader count as text published to inform the public is open to interpretation, but they are rarely reviewed before readers see them, so the conservative choice is to label them.",[147,148,149],"eu-ai-act","gdpr","uk-gdpr",[151],{"title":152,"issuer":153,"region":154,"url":155,"note":156},"Article 50, transparency obligations for providers and deployers of certain AI systems","European Union","europe","https://artificialintelligenceact.eu/article/50/","Requires disclosure of AI generated text published to inform the public on matters of public interest, with an exception for content under human editorial control.",[158,159,160,161,162],"AI labeling on the answer box and on every answer","Editorial policy for AI answers, owned by a named editor","Rights register for the content the tool may use","Weekly accuracy review on a sample, with results reported to the editor","Logging of questions, retrieved sources and answers for corrections and complaints",[164],{"title":165,"url":166,"note":167},"Apple Intelligence: iPhone AI news alerts halted after errors","https://www.bbc.com/news/articles/cq5ggew08eyo","Apple suspended AI generated summaries of news notifications, which appeared to come from within news organizations' apps, after repeated mistakes summarizing headlines. Not a publisher's own tool, but the failure mode an archive answer engine must prevent.",{"howToBuild":169},"On Blits.ai this is an **AI agent** grounded in a **knowledge base** of the publisher's articles,\ningested from documents or **crawled website pages** with recrawls for new stories, and retrieved\nwith **hybrid search** (dense vectors plus BM25), so names and exact phrases match as well as\nmeaning. The agent is instructed to answer only from retrieved articles and to decline when\nretrieval finds nothing relevant; **output guardrails** and **quality guardrails** check answers\nbefore they are shown.\n\nIt runs in the **web chat** widget with the publisher's theming, or inside the publisher's own\nsite and app through the **REST or WebSocket API**, with streaming answers, **multi language**\nsupport and optional spoken answers through **text to speech**. **Thumbs up and down feedback**\nlets readers flag answers, **conversation logs** and **analytics** show what readers ask, **response\nfeedback summaries** show which answers they flagged. **Test suites** evaluate answer quality and\nrefusals against editor approved question sets, and scheduled **monitors** check the live agent.\nThe platform is model agnostic,\nwhich helps manage cost per answer.",[171,174,177],{"question":172,"answer":173},"Which publishers run their own AI answer engines?","The Washington Post launched Ask The Post AI in November 2024 over its reporting since 2016. The Financial Times made Ask FT available to all FT Professional customers in April 2025, and TIME has shown its AI agent on almost every piece of content since November 2025.",{"question":175,"answer":176},"How do publishers stop the AI from making things up?","By answering only from their own reporting and refusing below a relevance threshold. The Washington Post does not serve an answer when the tool does not readily find a relevant article, and Ask FT is built to call out when it lacks sufficient information.",{"question":178,"answer":179},"Do AI answer engines help publishers commercially?","Early signs point to engagement and retention rather than direct revenue. The Financial Times says Ask FT drives deeper reading that supports renewal of key accounts, and Digital Content Next reports that users of TIME's agent are more likely to return and spend more time on the site, although that compares users with non users rather than a controlled test.",[],"2026-09-27",[183],{"date":181,"note":184},"First published","publisher-archive-answer-engine",[187,233,264],{"title":188,"useCases":189,"organization":190,"vendors":195,"summary":199,"stage":200,"year":41,"channels":201,"languages":202,"metrics":216,"outcomeDisclosed":192,"sources":217,"verification":228,"grade":230,"id":231,"organizationSlug":232},"TIME: the TIME AI Agent answers readers from more than a century of TIME reporting",[185],{"name":191,"anonymized":192,"country":193,"region":194,"industry":17},"TIME",false,"US","north-america",[196],{"name":197,"role":198},"Scale AI","integrator","TIME first tested a conversational AI toolbar on its Person of the Year coverage in December 2024, and chose not to let that version use content from outside TIME. In November 2025 it launched the TIME AI Agent, built with Scale AI, which lets readers ask questions, get summaries in text or audio, translate into 13 languages, and search more than a century of TIME reporting with semantic and hybrid search. TIME says attribution and citation are preserved in every interaction and that the system was red team tested. Digital Content Next reports that the agent is now trained on more than three quarters of a million pieces of TIME content, some digitized from PDFs of old magazines, that new articles are indexed in near real time, and that users who engage with the agent are more likely to return and spend more time on the site than those who do not.","scaled",[25],[203,204,205,206,207,208,209,210,211,212,213,214,215],"en","fr","es","de","it","pt","ja","ko","zh","hi","he","ar","ru",[],[218,223],{"url":219,"title":220,"publisher":191,"date":221,"archivedUrl":222},"https://time.com/7332572/the-story-behind-the-time-ai-agent/","The Story Behind the TIME AI Agent","2025-11-10","https://web.archive.org/web/20251110183151/https://time.com/7332572/the-story-behind-the-time-ai-agent/",{"url":224,"title":225,"publisher":226,"date":227},"https://digitalcontentnext.org/blog/2026/04/16/inside-times-rollout-of-its-timeai-interactive-agent/","Inside TIME's rollout of its TIMEAI interactive agent","Digital Content Next","2026-04-16",{"level":229,"checkedAt":181},"source-verified","B","time-ai-agent-archive-answers",null,{"title":234,"useCases":235,"organization":236,"vendors":239,"summary":243,"stage":244,"year":245,"channels":246,"languages":247,"metrics":248,"outcomeDisclosed":192,"sources":249,"verification":262,"grade":230,"id":263,"organizationSlug":232},"Financial Times: Ask FT, answers for FT Professional subscribers from FT journalism",[185],{"name":237,"anonymized":192,"country":238,"region":154,"industry":17},"Financial Times","GB",[240],{"name":241,"role":242},"Anthropic","model-provider","Ask FT is the Financial Times' first customer facing generative AI product: a search tool that answers questions using FT content only, with references to the articles used. It was tested internally by editorial and product teams, piloted with a few hundred FT Professional subscribers, then offered to larger client accounts, and became available to all FT Professional customers in April 2025. Users, mostly in finance, consulting and law, use it to prepare meetings and reports and tend to open the cited sources. The FT says the links to full articles encourage deeper reading that supports renewal of key accounts, and that the tool calls out when it lacks sufficient information for a credible answer.","production",2024,[25],[203],[],[250,254,257],{"url":251,"title":252,"publisher":253},"https://www.ftstrategies.com/en-gb/insights/how-ask-ft-is-meeting-user-needs-one-year-in-with-our-generative-ai-feature","Ask FT: Your direct route to insight","FT Strategies",{"url":255,"title":256,"publisher":253},"https://www.ftstrategies.com/en-gb/insights/from-experiment-to-impact-what-results-can-generative-ai-products-deliver-for-publishers","From experiment to impact: What results can generative AI products deliver for publishers?",{"url":258,"title":259,"publisher":260,"date":261},"https://voicebot.ai/2024/03/25/financial-times-launches-generative-ai-chatbot-for-subscribers-powered-by-anthropics-claude-3-llm/","Financial Times Launches Generative AI Chatbot for Subscribers Powered by Anthropic's Claude 3 LLM","Voicebot.ai","2024-03-25",{"level":229,"checkedAt":181},"financial-times-ask-ft",{"title":265,"useCases":266,"organization":267,"vendors":269,"summary":272,"stage":244,"year":245,"channels":273,"languages":274,"metrics":275,"outcomeDisclosed":192,"sources":276,"verification":287,"grade":230,"id":288,"organizationSlug":232},"The Washington Post: Ask The Post AI answers readers from its own reporting",[185],{"name":268,"anonymized":192,"country":193,"region":194,"industry":17},"The Washington Post",[270],{"name":268,"role":271},"in-house","In November 2024 The Washington Post launched \"Ask The Post AI\", an experimental generative AI tool that answers readers' questions with summary answers and curated results drawn from articles its newsroom has published since 2016, ranked by relevance. To protect the integrity of the reporting, the tool does not serve an answer when it does not readily find a relevant article above a set threshold, even if one exists. It followed earlier experiments such as Climate Answers and AI article takeaways. In July 2026 Arc XP, the Post's technology business, launched a comparable answer layer, Ask The News, for other publishers.",[25],[203],[],[277,282],{"url":278,"title":279,"publisher":268,"date":280,"archivedUrl":281},"https://www.washingtonpost.com/pr/2024/11/07/washington-post-launches-ask-post-ai-new-search-experience/","The Washington Post Launches \"Ask The Post AI,\" a New Search Experience","2024-11-07","https://web.archive.org/web/20250724203918/https://www.washingtonpost.com/pr/2024/11/07/washington-post-launches-ask-post-ai-new-search-experience/",{"url":283,"title":284,"publisher":285,"date":286},"https://www.prnewswire.com/news-releases/publishers-are-losing-their-readers-to-ai-the-washington-posts-tech-arm-built-a-solution-302823034.html","Publishers Are Losing Their Readers to AI. The Washington Post's Tech Arm Built a Solution","Arc XP (PR Newswire)","2026-07-13",{"level":229,"checkedAt":181},"washington-post-ask-the-post-ai",0,[],{"low":292,"high":293},5000,135000,[295,324,346,366],{"slug":296,"title":297,"shortTitle":298,"definition":299,"status":9,"industries":300,"functions":303,"patterns":305,"audience":27,"autonomy":307,"adoptionStage":29,"segment":308,"evidenceCount":309,"publicEvidenceCount":310,"organizations":311,"bestGrade":230,"headline":314,"lastVerified":181,"indexable":323},"corporate-client-servicing-assistant","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.",[301,302],"banking","payments",[19,304],"operations",[22,21,306,23],"agentic-workflow","supervised-agent","specialized-businesses",5,2,[312,313],"Bank of America","DBS Bank",{"kpi":315,"label":316,"unit":317,"n":318,"nUpTo":289,"kind":319,"value":320,"qualifier":321,"claimant":322,"organization":312,"vendorReported":192},"contact-deflection","Contact deflection","percent",1,"reported",16,"exact","organization",true,{"slug":325,"title":326,"shortTitle":327,"definition":328,"status":9,"industries":329,"functions":335,"patterns":337,"audience":338,"autonomy":339,"adoptionStage":340,"evidenceCount":341,"publicEvidenceCount":341,"organizations":342,"bestGrade":230,"headline":232,"lastVerified":181,"indexable":323},"enterprise-knowledge-search","AI enterprise knowledge search for employees","Enterprise knowledge search","An assistant that lets any employee ask a question in plain language and get a synthesized answer from the organization's own policies, procedures, product manuals and research, with citations to the source documents and only from documents the employee is allowed to see.",[330,301,331,332,333,334],"cross-industry","wealth-and-asset-management","insurance","government","professional-services",[336,304,19],"knowledge-management",[21,22,23],"employee-facing","assist","mainstream",4,[312,343,344,345],"Morgan Stanley","SIGNAL IDUNA","Wells Fargo",{"slug":347,"title":348,"shortTitle":349,"definition":350,"status":9,"industries":351,"functions":353,"patterns":355,"audience":27,"autonomy":28,"adoptionStage":29,"evidenceCount":309,"publicEvidenceCount":341,"organizations":359,"bestGrade":364,"headline":232,"lastVerified":365,"indexable":323},"ai-visitor-and-tour-guide","AI visitor and tour guide for cities, museums and events","Visitor and tour guide","A location and context aware AI guide, often spoken, that tells visitors of cities, museums, heritage sites and events the stories behind what is around them and answers their questions in their own language, grounded in the organization's curated content and in the visitor's position or the object they scan.",[352,17,333],"travel-and-hospitality",[19,354,336],"marketing",[21,22,356,357,358],"voice-agent","computer-vision","translation",[360,361,362,363],"Art Basel","Bloomberg Connects","Madrid Destino","National Gallery Singapore","C","2026-09-26",{"slug":367,"title":368,"shortTitle":369,"definition":370,"status":9,"industries":371,"functions":373,"patterns":374,"audience":27,"autonomy":339,"adoptionStage":375,"evidenceCount":376,"publicEvidenceCount":376,"organizations":377,"bestGrade":230,"headline":232,"lastVerified":381,"indexable":323},"academic-advising-assistant","AI academic advising assistant for course selection and degree requirements","Academic advising assistant","An AI assistant that answers students' questions about degree requirements, course selection, prerequisites and majors, grounded in the institution's own catalog and advising documents, so students get quick answers to routine questions and are directed to a human advisor for anything that needs judgment, is time sensitive, or falls outside what the assistant can see.",[372],"education",[19],[22,21],"emerging",3,[378,379,380],"Elon University","Harvard College","University of Utah","2026-09-28",{"indexable":323,"reasons":383},[],[385,390,395,403,410,416,422,429,437,444,451,457,463,470,476,481,488,494,500,506,512,518,524,529,534,541,548,553,559,566,572,578,584,589],{"id":147,"label":386,"issuer":153,"region":154,"url":387,"description":388,"useCases":389,"indexable":323},"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":148,"label":391,"issuer":153,"region":154,"url":392,"description":393,"useCases":394,"indexable":323},"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":396,"label":397,"issuer":398,"region":399,"url":400,"description":401,"useCases":402,"indexable":323},"iso-42001","ISO/IEC 42001","ISO and IEC","global","https://www.iso.org/standard/81230.html","The international management system standard for AI.",110,{"id":404,"label":405,"issuer":406,"region":194,"url":407,"description":408,"useCases":409,"indexable":323},"nist-ai-rmf","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":411,"label":412,"issuer":153,"region":154,"url":413,"description":414,"useCases":415,"indexable":323},"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":149,"label":417,"issuer":418,"region":154,"url":419,"description":420,"useCases":421,"indexable":323},"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":423,"label":424,"issuer":425,"region":154,"url":426,"description":427,"useCases":428,"indexable":323},"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":430,"label":431,"issuer":432,"region":433,"url":434,"description":435,"useCases":436,"indexable":323},"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":438,"label":439,"issuer":440,"region":433,"url":441,"description":442,"useCases":443,"indexable":323},"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":445,"label":446,"issuer":447,"region":399,"url":448,"description":449,"useCases":450,"indexable":323},"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":452,"label":453,"issuer":454,"region":194,"url":455,"description":456,"useCases":450,"indexable":323},"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":458,"label":459,"issuer":460,"region":154,"url":461,"description":462,"useCases":320,"indexable":323},"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":464,"label":465,"issuer":466,"region":399,"url":467,"description":468,"useCases":469,"indexable":323},"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":471,"label":472,"issuer":153,"region":154,"url":473,"description":474,"useCases":475,"indexable":323},"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":477,"label":478,"issuer":153,"region":154,"url":479,"description":480,"useCases":475,"indexable":323},"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":482,"label":483,"issuer":484,"region":194,"url":485,"description":486,"useCases":487,"indexable":323},"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":489,"label":490,"issuer":153,"region":154,"url":491,"description":492,"useCases":493,"indexable":323},"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":495,"label":496,"issuer":497,"region":194,"url":498,"description":499,"useCases":493,"indexable":323},"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":501,"label":502,"issuer":503,"region":399,"url":504,"description":505,"useCases":493,"indexable":323},"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":507,"label":508,"issuer":153,"region":154,"url":509,"description":510,"useCases":511,"indexable":323},"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":513,"label":514,"issuer":515,"region":194,"url":516,"description":517,"useCases":511,"indexable":323},"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":519,"label":520,"issuer":432,"region":433,"url":521,"description":522,"useCases":523,"indexable":323},"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":525,"label":526,"issuer":153,"region":154,"url":527,"description":528,"useCases":523,"indexable":323},"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":530,"label":531,"issuer":153,"region":154,"url":532,"description":533,"useCases":523,"indexable":323},"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":535,"label":536,"issuer":537,"region":154,"url":538,"description":539,"useCases":540,"indexable":323},"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":542,"label":543,"issuer":544,"region":194,"url":545,"description":546,"useCases":547,"indexable":323},"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":549,"label":550,"issuer":153,"region":154,"url":551,"description":552,"useCases":547,"indexable":323},"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":554,"label":555,"issuer":153,"region":154,"url":556,"description":557,"useCases":558,"indexable":323},"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":560,"label":561,"issuer":562,"region":563,"url":564,"description":565,"useCases":309,"indexable":323},"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":567,"label":568,"issuer":569,"region":154,"url":570,"description":571,"useCases":341,"indexable":323},"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":573,"label":574,"issuer":575,"region":154,"url":576,"description":577,"useCases":341,"indexable":323},"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":579,"label":580,"issuer":581,"region":433,"url":582,"description":583,"useCases":376,"indexable":323},"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":585,"label":586,"issuer":153,"region":154,"url":587,"description":588,"useCases":376,"indexable":323},"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":590,"label":591,"issuer":592,"region":194,"url":593,"description":594,"useCases":376,"indexable":323},"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.",1790598296340]