[{"data":1,"prerenderedAt":251},["ShallowReactive",2],{"uc-reg-us-tcpa":3},{"regulation":4,"includeUnpublished":11,"indexable":12,"useCases":13},{"id":5,"label":6,"issuer":7,"region":8,"url":9,"description":10},"us-tcpa","Telephone Consumer Protection Act","Federal Communications Commission","north-america","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.",false,true,[14,44,78,102,124,142,165,183,194,208,228],{"slug":15,"title":16,"shortTitle":17,"definition":18,"status":19,"industries":20,"functions":22,"patterns":26,"audience":31,"autonomy":32,"adoptionStage":33,"evidenceCount":34,"publicEvidenceCount":34,"organizations":35,"bestGrade":39,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":43},"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.","published",[21],"real-estate",[23,24,25],"customer-service","sales","operations",[27,28,29,30],"conversational-agent","voice-agent","agentic-workflow","rag-knowledge-assistant","customer-facing","supervised-agent","early-adopters",3,[36,37,38],"Asset Living","AvalonBay Communities","Equity Residential","B",null,"2026-09-27","context-dependent","An agent that answers questions, books tours and takes requests falls under the transparency duty of Article 50. It becomes high risk under Annex III point 5(b) if it evaluates the creditworthiness of applicants, for example in tenant screening, and under point 5(a) if a public body uses it to decide eligibility for social housing or other public assistance.",{"slug":45,"title":46,"shortTitle":47,"definition":48,"status":19,"industries":49,"functions":57,"patterns":59,"audience":31,"autonomy":32,"adoptionStage":33,"segment":61,"evidenceCount":34,"publicEvidenceCount":62,"organizations":63,"bestGrade":66,"headline":67,"lastVerified":41,"indexable":12,"euAiActTier":76,"euAiActBasis":77},"collections-and-hardship-agent","AI agent for early collections and hardship support","Collections and hardship agent","A voice and messaging agent that contacts customers in early arrears and answers their inbound calls, takes payments and sets up payment arrangements within preapproved rules, and recognises signs of hardship or vulnerability so those customers go straight to a trained person.",[50,51,52,53,54,55,56],"cross-industry","banking","payments","telecommunications","energy-and-utilities","automotive","professional-services",[58,23],"collections-and-recovery",[28,27,29,60],"classification-and-routing","lending",2,[64,65],"Day Knight & Associates","SameDay Auto Finance","C",{"kpi":68,"label":69,"unit":70,"n":62,"nUpTo":71,"kind":72,"value":73,"qualifier":74,"claimant":75,"organization":65,"vendorReported":12},"cost-reduction","Cost reduction","percent",0,"reported",75,"exact","vendor","limited","A customer facing collections agent must disclose that it is AI (Article 50). It is not listed in Annex III as long as it applies preapproved arrangement rules and does not itself evaluate creditworthiness; an affordability model that decides who gets which arrangement for individuals should be assessed separately against Annex III point 5(b).",{"slug":79,"title":80,"shortTitle":81,"definition":82,"status":19,"industries":83,"functions":84,"patterns":86,"audience":31,"autonomy":32,"adoptionStage":87,"segment":88,"evidenceCount":89,"publicEvidenceCount":89,"organizations":90,"bestGrade":39,"headline":96,"lastVerified":41,"indexable":12,"euAiActTier":76,"euAiActBasis":101},"fraud-alert-confirmation","AI agent for fraud alert confirmation with cardholders","Fraud alert confirmation","A customer facing AI agent that contacts the cardholder as soon as the fraud engine flags a card transaction, in the channel they actually respond to, verifies them, asks whether they made the transaction and acts on the answer: releasing the block so a retry succeeds, or freezing the card and starting the fraud claim.",[51,52],[85,23],"fraud-prevention",[27,28,29],"emerging","front-office",5,[91,92,93,94,95],"Capital One","Commonwealth Bank of Australia","Macquarie Bank","Revolut","Westpac",{"kpi":97,"label":98,"unit":70,"n":62,"nUpTo":71,"kind":72,"value":99,"qualifier":74,"claimant":100,"organization":92,"vendorReported":11},"fraud-loss-reduction","Fraud loss reduction",76,"organization","Confirming flagged transactions with cardholders is not listed in Annex III, and point 5(b) expressly excludes AI used to detect financial fraud from the creditworthiness category, so the system is not high risk. An agent that messages or calls customers must tell them they are dealing with AI under Article 50(1), and synthetic voice output must be marked as AI generated under Article 50(2).",{"slug":103,"title":104,"shortTitle":105,"definition":106,"status":19,"industries":107,"functions":109,"patterns":111,"audience":31,"autonomy":32,"adoptionStage":33,"evidenceCount":112,"publicEvidenceCount":112,"organizations":113,"bestGrade":66,"headline":118,"lastVerified":41,"indexable":12,"euAiActTier":76,"euAiActBasis":123},"inbound-lead-qualification-agent","AI agent for inbound lead qualification and meeting booking","Inbound lead qualification","An AI agent that engages inbound prospects the moment they arrive on the website, chat, messaging or the sales phone line, answers their first questions, qualifies them against the organization's criteria, and books a meeting or hands a ready conversation to the right salesperson, with the context written into the CRM.",[50,108,55,51],"technology",[24,110],"marketing",[27,28,60,29],4,[114,115,116,117],"8x8","CarMax","Rocket Mortgage","SUSE",{"kpi":119,"label":120,"unit":70,"n":121,"nUpTo":71,"kind":72,"value":122,"qualifier":74,"claimant":75,"organization":114,"vendorReported":12},"conversion-rate-uplift","Conversion uplift",1,19,"A customer facing sales agent must make clear that people are talking to an AI system, unless that is obvious (Article 50(1)). Qualifying and routing prospects is not an Annex III use. It becomes high risk where the same system takes on an Annex III task, for example evaluating the creditworthiness of natural persons (Annex III point 5(b)) or assessing risk and pricing for life or health insurance (point 5(c)); those decisions then need the high risk controls.",{"slug":125,"title":126,"shortTitle":127,"definition":128,"status":19,"industries":129,"functions":132,"patterns":133,"audience":31,"autonomy":32,"adoptionStage":33,"evidenceCount":89,"publicEvidenceCount":112,"organizations":135,"bestGrade":39,"headline":40,"lastVerified":140,"indexable":12,"euAiActTier":42,"euAiActBasis":141},"outbound-reminder-and-confirmation-agent","AI agent for outbound reminders and confirmations by voice and messaging","Outbound reminders and confirmations","An AI agent that contacts customers about something they already booked or ordered (an appointment, a delivery, a reservation or a service visit) to remind them, confirm attendance and let them cancel or move it in the same conversation, by phone, SMS, WhatsApp or email. It is operational service outreach, not marketing: nothing is sold, and success is measured in kept appointments and reused slots, not in conversion.",[50,130,131],"healthcare","government",[23,25],[28,27,29,134],"prediction-and-scoring",[136,137,138,139],"Sheffield Children's NHS Foundation Trust","University Hospitals Coventry and Warwickshire NHS Trust","U.S. Department of Veterans Affairs","WellSpan Health","2026-09-26","People must be told they are interacting with an AI system, and synthetic voice or text must be identifiable as such (Article 50). Reminding people of existing bookings and disclosure alone are limited risk. A missed appointment score used by or for a public authority to grant, reduce, revoke or reclaim access to healthcare or other essential public assistance and services, for example deciding who is offered funded transport, can fall within Annex III point 5(a), and profiling of natural persons within Annex III rules out the Article 6(3) exemption. Using the score only to decide who gets extra reminders or support does not by itself place it outside Annex III when that support is itself the assistance being granted.",{"slug":143,"title":144,"shortTitle":145,"definition":146,"status":19,"industries":147,"functions":148,"patterns":149,"audience":152,"autonomy":153,"adoptionStage":33,"evidenceCount":154,"publicEvidenceCount":155,"organizations":156,"bestGrade":66,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":164},"outbound-sales-prospecting-agent","AI agent for outbound sales prospecting and personalized outreach","Outbound sales prospecting","An AI agent that researches target accounts and contacts, drafts personalized outbound outreach (emails, LinkedIn messages and call scripts) from the campaign, the prospect's context and the sales goals, and sequences the follow ups, with a sales development rep approving or sending every message.",[50,108,56],[24,110],[150,29,151,134],"content-generation","recommendation-and-personalization","employee-facing","copilot",9,7,[157,158,159,160,161,162,163],"A-LIGN","ANS","Dun & Bradstreet","Lumen Technologies","Merge","Oyster","Unifonic","Drafting outreach that a rep reviews and sends as their own message is typically minimal risk. If the agent holds conversations with prospects itself, for example by replying to emails or calling, people must be told they are interacting with AI (Article 50, limited risk). It is not an Annex III use case.",{"slug":166,"title":167,"shortTitle":168,"definition":169,"status":19,"industries":170,"functions":171,"patterns":172,"audience":31,"autonomy":32,"adoptionStage":33,"evidenceCount":154,"publicEvidenceCount":173,"organizations":174,"bestGrade":39,"headline":178,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":182},"patient-appointment-scheduling-and-reminders-agent","AI agent for patient appointment scheduling, reminders and no show reduction","Patient scheduling and reminders","An AI agent that books, moves and cancels patient appointments by phone and messaging while following the provider's scheduling rules (referral, triage level, clinician and visit type, preparation), confirms and reminds patients in two way conversations, predicts who is likely to miss an appointment, and offers freed slots to patients on the waiting list. Unlike a general branch and appointment booking agent, it writes into the electronic health record and must respect clinical constraints, so anything clinical goes to staff.",[130],[23,25],[28,27,134,29],6,[175,176,177,136,137,139],"Audibel","Howard Brown Health","Mid and South Essex NHS Foundation Trust",{"kpi":179,"label":180,"unit":70,"n":121,"nUpTo":71,"kind":72,"value":181,"qualifier":74,"claimant":75,"organization":176,"vendorReported":12},"containment-rate","Containment rate",30,"Booking, rescheduling and reminders carry transparency duties: patients must be told they are dealing with AI (Article 50(1)). It becomes high risk if a public authority, or a provider acting on its behalf, uses it to evaluate eligibility for healthcare services (Annex III point 5(a)), or if it acts as an emergency healthcare patient triage system (Annex III point 5(d)). Clinical triage may also make it a medical device, which is high risk under Article 6(1) when the device needs a notified body assessment. Keep the agent to scheduling and use risk scores only to offer support.",{"slug":184,"title":185,"shortTitle":186,"definition":187,"status":19,"industries":188,"functions":189,"patterns":190,"audience":31,"autonomy":32,"adoptionStage":87,"segment":88,"evidenceCount":34,"publicEvidenceCount":34,"organizations":191,"bestGrade":39,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":76,"euAiActBasis":193},"proactive-outbound-engagement-agent","AI agent for proactive customer outreach, activation and retention","Proactive outreach and activation","An AI agent that holds the conversation when a bank reaches out first to change something about the customer's account or products, triggered by an event or a campaign: low balance and fee avoidance alerts, payment and renewal reminders, card activation, dormant account reactivation and offers the customer already qualifies for, over messaging or voice, while the bank's own systems decide who is contacted and why. Reminders about appointments and deliveries the customer booked, and the in app coach the customer opens, are separate use cases.",[51,52],[110,24,23],[27,28,29,151],[192,91,92],"Bank of America","A customer facing agent must disclose that it is AI (Article 50(1)). It stays out of Annex III as long as eligibility for credit offers is decided upstream by the bank's own, separately governed credit processes; if the agent itself assessed creditworthiness it would be high risk under point 5(b).",{"slug":195,"title":196,"shortTitle":197,"definition":198,"status":19,"industries":199,"functions":201,"patterns":202,"audience":31,"autonomy":32,"adoptionStage":33,"evidenceCount":34,"publicEvidenceCount":34,"organizations":203,"bestGrade":39,"headline":40,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":207},"student-enrollment-and-services-assistant","AI assistant for student enrollment and student services","Student enrollment assistant","An AI assistant that answers admitted and current students' questions about admissions, financial aid, registration, housing and deadlines by text message and web chat, sends timely reminders for the tasks each student still has to complete, and hands personal or complex cases to staff.",[200],"education",[23,25],[27,30,60],[204,205,206],"Adelphi University","Austin Peay State University","Georgia State University","An assistant that answers questions and sends reminders falls under the transparency duty of Article 50. It becomes high risk under Annex III point 3(a) if it is used to determine access or admission or to assign students to institutions, and under point 3(c) if it assesses the level of education a student will receive. Keep admission and placement decisions with staff.",{"slug":209,"title":210,"shortTitle":211,"definition":212,"status":19,"industries":213,"functions":214,"patterns":215,"audience":31,"autonomy":32,"adoptionStage":33,"segment":88,"evidenceCount":154,"publicEvidenceCount":154,"organizations":216,"bestGrade":39,"headline":226,"lastVerified":140,"indexable":12,"euAiActTier":42,"euAiActBasis":227},"plan-upgrade-and-sales-assistant","AI assistant for telecom plan upgrades, add ons and sales","Plan upgrade and sales assistant","An AI assistant that helps existing and prospective customers choose, compare and buy the right mobile, broadband or TV plan, device or extra, in the app, in messaging, on the phone or through a human advisor, using the customer's usage and eligibility and the operator's current offers, and that completes the order or passes a ready quote to a person.",[53],[24,23,110],[151,27,30,28,29],[217,218,219,220,221,222,223,224,225],"Reliance Jio","Mobily","Orange France","Singtel","T-Mobile","Telenet","Verizon","Virgin Media O2","Vodafone",{"kpi":119,"label":120,"unit":70,"n":121,"nUpTo":71,"kind":72,"value":73,"qualifier":74,"claimant":75,"organization":222,"vendorReported":12},"A sales assistant is limited risk with an Article 50 duty to disclose AI. If it assesses the creditworthiness of individuals for devices on credit, that part is high risk under Annex III point 5(b), so keep credit decisions in the existing governed process. Selling that uses manipulative or deceptive techniques, or exploits a customer's age, disability or economic situation, to materially distort a purchase decision in a way likely to cause significant harm is prohibited under Article 5(1)(a) and (b).",{"slug":229,"title":230,"shortTitle":231,"definition":232,"status":19,"industries":233,"functions":237,"patterns":238,"audience":239,"autonomy":32,"adoptionStage":240,"evidenceCount":241,"publicEvidenceCount":155,"organizations":242,"bestGrade":39,"headline":249,"lastVerified":41,"indexable":12,"euAiActTier":42,"euAiActBasis":250},"personalized-marketing-at-scale","AI marketing personalization at scale","Marketing personalization at scale","AI that runs marketing campaigns at the level of the individual: it decides for each customer which product, offer, message or content to show next across email, app, web and paid media, and generates the matching copy and creative variants within brand and compliance rules. It is the marketing team's engine across many campaigns and channels, not an agent that converses with the customer.",[50,234,235,236,51],"travel-and-hospitality","media-and-entertainment","retail-and-ecommerce",[110,24],[151,134,150],"back-office","mainstream",8,[243,244,92,245,246,247,248],"Amazon","Catchtable","Radisson Hotel Group","Square Enix","Swarovski","Virgin Voyages",{"kpi":119,"label":120,"unit":70,"n":121,"nUpTo":71,"kind":72,"value":181,"qualifier":74,"claimant":75,"organization":244,"vendorReported":12},"Most personalization and content generation is minimal risk. Providers of systems that generate synthetic audio, image, video or text content must mark the output as artificially generated, and deployers must disclose deep fakes (Article 50(2) and 50(4)). Personalization that deploys manipulative or deceptive techniques, or exploits vulnerabilities due to age, disability or a specific social or economic situation, in a way that causes or is reasonably likely to cause significant harm, is prohibited under Article 5(1)(a) and (b). Using AI to assess creditworthiness or to price life and health insurance is high risk under Annex III point 5(b) and 5(c) and belongs on its own page. Outside the AI Act, the FCA Consumer Duty applies only to FCA regulated firms (the financial services slice of this use case), and the Telephone Consumer Protection Act applies only to campaigns delivered by call or text message in the US.",1790598319819]