[{"data":1,"prerenderedAt":584},["ShallowReactive",2],{"uc-travel-insurance-claims-and-assistance-agent":3,"uc-regulations":376},{"useCase":4,"evidence":194,"blitsAiDeployments":266,"benchmarks":267,"indicative":274,"related":277,"indexability":374,"includeUnpublished":200},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":16,"functions":19,"patterns":22,"channels":28,"audience":34,"autonomy":35,"adoptionStage":36,"segment":20,"problem":37,"problemStats":38,"howItWorks":44,"valueDrivers":45,"kpis":50,"indicativeValue":57,"macroEstimates":84,"feasibility":85,"implementation":99,"risk":142,"blitsAi":171,"faq":173,"related":183,"datePublished":189,"dateModified":189,"lastVerified":189,"changelog":190,"slug":193},"AI agent for travel insurance claims and assistance","Travel insurance claims and assistance","AI agents for travel insurance claims","AI agents take travel insurance claims, read receipts and route emergencies to people. Shift Technology reports a US travel insurer went from 0% to 57% automation.","published","An AI agent that helps insured travellers around the clock and in their own language: it answers cover questions, takes claims for delays, cancellations, lost baggage and medical costs, reads the receipts and certificates they upload, settles simple claims within set limits, and connects medical emergencies and complex cases to the assistance team at once.",[12,13,14,15],"travel claims automation","travel assistance chatbot","trip cancellation and delay claims AI","AI for travel insurance claims",[17,18],"insurance","travel-and-hospitality",[20,21],"claims","customer-service",[23,24,25,26,27],"conversational-agent","voice-agent","document-processing","agentic-workflow","translation",[29,30,31,32,33],"web-chat","whatsapp","mobile-app","voice","email","customer-facing","supervised-agent","emerging","Travel insurance claims are numerous and document heavy. A single trip can produce an\nairline delay certificate, hotel and taxi receipts, a baggage report, a foreign hospital invoice and\na doctor's note, in several languages and formats. Many insurers still review each claim by hand:\nthe US travel insurer in the evidence below handled around 400,000 claims a year manually, each\ntaking ten days to three weeks.\n\nAssistance is the other half. Travellers call from abroad, from other time zones, with a missed\nconnection, a lost passport or a medical emergency. Some calls are simple questions about cover and\nwhat to do next, but they can sit in the same queue as the emergencies that need a person\nimmediately, and a single storm, strike or airline disruption can affect many travellers at once.",[39],{"statement":40,"sourceTitle":41,"sourceUrl":42,"year":43},"Shift Technology states that only about 7% of insurance claims are processed straight through, because most claims data is unstructured and does not fit rules based systems.","AI in Action: From zero to 50%+ automation in travel insurance","https://www.shift-technology.com/resources/case-studies/genai-travel-insurance-automation",2025,"1. **Recognise the traveller and the policy.** The agent identifies the policy from the booking or\n   policy reference and confirms the trip details and the cover.\n2. **Triage the situation first.** Medical emergencies, safety threats and vulnerable travellers go\n   to the assistance team immediately; everything else continues with the agent.\n3. **Answer cover questions from the wording.** The agent explains what the policy covers for this\n   event, citing the policy wording, and tells the traveller what documents to keep.\n4. **Take the claim and read the documents.** It collects the facts, reads uploaded receipts and\n   certificates, checks them against the event (for example the flight delay) and the limits, and\n   lists anything missing.\n5. **Settle or hand over.** Simple claims within set limits and a clean fraud check are settled\n   automatically; others go to a handler with the documents already extracted and summarised.",[46,47,48,49],"customer-experience","cost-to-serve","speed","inclusion-and-access",[51,52,53,54,55,56],"automation-rate","containment-rate","processing-time-reduction","accuracy","customer-satisfaction","interactions-handled",{"referenceOrg":58,"inputs":59,"formula":79,"currency":80,"period":81,"resultLabel":82,"caveat":83},"A travel insurer handling 100,000 claims a year",[60,65,72],{"key":20,"label":61,"low":62,"high":62,"unit":63,"note":64},"Claims per year",100000,"claims per year","The reference insurer.",{"key":66,"label":67,"low":68,"high":69,"unit":70,"note":71},"automationShare","Share of claims decided without a handler",0.2,0.4,"fraction of claims","Conservative against the evidence on this page (Shift Technology reports that an unnamed US travel insurer raised its automation rate from 0% to 57%), because the mix of simple delay and baggage claims differs by portfolio.",{"key":73,"label":74,"low":75,"high":76,"unit":77,"note":78},"costPerClaim","Internal cost of handling a simple claim by hand",30,80,"USD per claim","Editorial assumption covering handler time and document review; replace with your own claims expense data.","claims * automationShare * costPerClaim","USD","per year","Claims handling cost avoided","Claims handling cost only. It leaves out assistance calls answered by the agent, faster payment and its effect on renewals and partner satisfaction, fraud impact, and the cost of the platform and integration.",[],{"complexity":86,"complexityNote":87,"dataPrerequisites":88,"integrations":93},"medium","The claim types are standardised and well suited to document extraction, but the agent must work in many languages and time zones, integrate with policy and claims systems that are often run by partners or assistance companies, and route medical emergencies without delay.",[89,90,91,92],"Policy wordings, limits and exclusions per product and distribution partner","Historical claims with documents and decisions, per claim type","Assistance protocols for medical, security and travel emergencies","Flight status or disruption data where delay claims are covered",[94,95,96,97,98],"Policy administration and distribution partner systems for policy lookup","Claims management and payment systems","Assistance centre case management and telephony","Flight status or travel disruption data services","Fraud detection, including industry data sharing where available",{"steps":100,"guardrails":116,"humanInTheLoop":122,"kpisToInstrument":123,"failureModes":129},[101,104,107,110,113],{"title":102,"detail":103},"Separate emergencies from everything else","Before automating anything, define the signals that send a traveller to a person at once (medical, safety, minors, vulnerability) and test them in every supported language.",{"title":105,"detail":106},"Automate the simplest claim types first","Travel delay, baggage delay and small cancellation claims have predictable documents and clear limits. Leave medical expenses abroad for a later wave.",{"title":108,"detail":109},"Ground cover answers in the policy wording","Load each product's wording and partner variations into the knowledge base, cite the clause in every answer, and refuse when the wording does not settle the question.",{"title":111,"detail":112},"Check documents against the event","Match receipts, dates and amounts to the insured event and the limits, and use external data, such as flight status, where it confirms the claim.",{"title":114,"detail":115},"Plan for disruption peaks","Airline strikes and storms can produce a sudden surge of claims and calls. Load test the agent and the document pipeline for those peaks.",[117,118,119,120,121],"Immediate handover to the assistance team for medical emergencies, safety threats and vulnerable travellers","Automatic settlement only inside limits per claim type with a clean fraud check","Cover answers cite the policy wording and never promise payment before the claim is assessed","Automatic declines avoided; unclear claims go to a handler with an explanation to the traveller","Medical and passport data masked in logs and prompts, with retention aligned to claims files","Assistance coordinators and medical teams handle every emergency. Claims handlers decide every claim outside the automatic limits and review a weekly sample of automatic settlements, and product owners approve each new product wording before the agent answers on it.",[124,125,126,127,128],"Time from emergency signal to a person on the line","Share of claims settled automatically, per claim type","Time from claim submission to payment","Accuracy of automatic decisions on an audited sample","Satisfaction after claims and assistance conversations, per language",[130,133,136,139],{"title":131,"detail":132},"An emergency handled like a question","A traveller describing chest pain is asked for a policy number. Detect medical and safety signals first and test them in every language.",{"title":134,"detail":135},"Wrong wording for the product","Partner specific variations of cover are mixed up. Keep wordings per product and partner, and check which applies before answering.",{"title":137,"detail":138},"Automation that invites fraud","Fast payment of small claims attracts invented receipts and repeat claims. Keep fraud checks and industry data sharing in the flow.",{"title":140,"detail":141},"Collapse during mass disruption","The agent and the document pipeline are not sized for a strike or a storm. Load test for peaks and plan a degraded mode.",{"euAiAct":143,"regulations":146,"guidance":152,"controls":164,"incidents":170},{"tier":144,"basis":145},"limited","A customer facing agent must disclose that it is AI (Article 50), unless this is obvious from the context. Travel insurance claims handling is not listed in Annex III; point 5(c) covers risk assessment and pricing in life and health insurance, not the handling of claims. Handing a traveller who reports a medical emergency to the assistance team is not the classification of emergency calls or the patient triage in point 5(d), as long as the agent only hands over and does not set medical priorities. Claim decisions based solely on automated processing are subject to GDPR Article 22 (and its UK equivalent), and medical data is special category data under Article 9.",[147,148,149,150,151],"eu-ai-act","gdpr","uk-gdpr","uk-consumer-duty","iso-42001",[153,159],{"title":154,"issuer":155,"region":156,"url":157,"note":158},"Article 50, transparency obligations for providers and deployers of certain AI systems","European Union","europe","https://artificialintelligenceact.eu/article/50/","Travellers must be informed that they are interacting with an AI system unless this is obvious from the context.",{"title":160,"issuer":161,"region":156,"url":162,"note":163},"Opinion on Artificial Intelligence governance and risk management","European Insurance and Occupational Pensions Authority","https://www.eiopa.europa.eu/publications/opinion-artificial-intelligence-governance-and-risk-management_en","Addressed to national supervisors (August 2025); sets expectations for governance, fairness and human oversight of AI systems used across the insurance value chain, including claims.",[165,166,167,168,169],"AI disclosure at the start of every conversation, in the traveller's language","Tested emergency routing rules with response time monitoring","Documented automatic settlement limits per claim type under change control","Audit log of every automated decision with documents and rules applied","Regular review of answers per product wording and language",[],{"howToBuild":172},"On Blits.ai this is an **AI agent** on **web chat, WhatsApp, email and voice**, and in the insurer's\nown mobile app through the **REST or WebSocket API channel**, with\n**automatic language detection** and multi language answers, and a **knowledge base** that holds the\npolicy wordings per product and partner, retrieved with hybrid search. **Flows** handle the\nemergency triage and the claim intake with **receive attachment** blocks for receipts and\ncertificates, and **custom functions** look up the policy, check flight status and create the claim.\n\nA **custom function** passes the uploaded attachments to the insurer's own document extraction\nservice, and an **agentic workflow** checks the extracted data against the event and the limits and\nuses **human in the loop approval** for any payment above the threshold. **Human handover**, including\nlive takeover on voice, connects emergencies to the assistance team immediately. **Guardrails**\nstop promises of payment, gateway **PII masking** can be configured with custom patterns for medical and passport data, and **test suites**\nreplay emergency and claim scenarios in every language on each change.",[174,177,180],{"question":175,"answer":176},"How far can travel insurance claims be automated?","Travel claims suit automation because claim types and documents are standardised. Shift Technology reports that an unnamed US travel insurer handling about 400,000 claims a year raised its automation rate from 0% to 57% (46% pay and 11% deny decisions), with 98% accuracy on pay decisions; the same vendor puts straight through processing across insurance claims at about 7%. Start with delay, baggage and small cancellation claims and leave medical expenses abroad for a later wave.",{"question":178,"answer":179},"Is fraud a bigger risk when travel claims are paid faster?","It can be, because fast payment rewards invented receipts and claims repeated across insurers. In Singapore, 25 insurers set up a shared data analytics initiative with the General Insurance Association of Singapore in 2017; according to a 2022 Shift Technology case study, its member insurers analyse travel and motor claims with Shift Technology's AI to find connections between people, providers and claims that can look genuine in isolation.",{"question":181,"answer":182},"Should an AI agent handle medical emergencies abroad?","Only to recognise them and connect the traveller to a person at once. The agent can collect the policy and location details in parallel, but decisions on treatment, evacuation and guarantees of payment belong to the assistance and medical teams.",[184,185,186,187,188],"claims-first-notice-of-loss-agent","claims-triage-and-straight-through-processing","flight-disruption-and-rebooking-agent","claims-fraud-detection","insurance-policy-servicing-agent","2026-09-27",[191],{"date":189,"note":192},"First published","travel-insurance-claims-and-assistance-agent",[195,239],{"title":196,"useCases":197,"organization":198,"vendors":203,"summary":204,"stage":205,"year":206,"channels":207,"languages":208,"metrics":209,"outcomeDisclosed":224,"sources":225,"verification":234,"grade":236,"id":237,"organizationSlug":238},"Allianz Partners: AI assisted travel claims turnaround",[193,185],{"name":199,"anonymized":200,"country":201,"region":202,"industry":17},"Allianz Partners",false,"US","north-america",[],"Allianz Partners' director of partnerships told a US travel advisor consortium in April 2026 that AI assistance now handles 65 to 70% of all its claims. She said this has cut claims turnaround time from about 14 days, the average for the consortium's member agencies, to three to four days, with some claims turned around in a matter of hours.","scaled",2026,[],[],[210,218],{"kpi":51,"value":211,"unit":212,"qualifier":213,"period":214,"claimant":215,"quote":216,"sourceUrl":217},70,"percent","up-to","Share of claims using AI assistance, stated at Signature Travel Network's Horizon Club, April 2026","organization","We are right now using AI assistance for 65 to 70% of all of our claims, which has brought our claims turnaround time down from about 14 days, which was the average for Signature partners, to three to four days,","https://latteluxurynews.com/2026/04/20/ai-cuts-down-allianz-travel-insurance-claim-time-by-more-than-half/",{"kpi":219,"value":220,"unit":221,"qualifier":213,"period":222,"baseline":223,"claimant":215,"quote":216,"sourceUrl":217},"cycle-time-days",4,"days","Claims turnaround time with AI assistance, for Signature Travel Network member agencies","About 14 days before AI assistance, the average for Signature Travel Network partners",true,[226,230],{"url":217,"title":227,"publisher":228,"date":229},"AI cuts down Allianz travel insurance claim time by more than half","LATTE Australia","2026-04-20",{"url":231,"title":232,"publisher":233,"date":229},"https://completeaitraining.com/news/allianz-cuts-travel-insurance-claim-processing-time-from-14/","Allianz cuts travel insurance claim processing time from 14 days to 3 to 4 days using AI","Complete AI Training",{"level":235,"checkedAt":189},"source-verified","B","allianz-partners-ai-claims-turnaround",null,{"title":240,"useCases":241,"organization":242,"vendors":246,"summary":250,"stage":205,"year":251,"channels":252,"languages":254,"metrics":256,"outcomeDisclosed":200,"sources":257,"verification":262,"grade":264,"id":265,"organizationSlug":238},"General Insurance Association of Singapore: shared AI fraud analytics on travel and motor claims",[187,193],{"name":243,"anonymized":200,"country":244,"region":245,"industry":17},"General Insurance Association of Singapore","SG","asia-pacific",[247],{"name":248,"role":249},"Shift Technology","platform","Member insurers of the General Insurance Association of Singapore analyse travel and motor claims together with Shift Technology's AI, which finds connections between people, providers and claims that look genuine when each insurer sees them alone. The data analytics initiative started in 2017 with 25 insurers; fraud alerts are issued to members and prompt joint investigations. The public page gives no outcome figures.",2017,[253],"api",[255],"en",[],[258],{"url":259,"title":260,"publisher":248,"date":261},"https://www.shift-technology.com/resources/case-studies/power-of-the-collective-singapore-insurers-unite-to-fight-fraud","Power of the collective: Singapore insurers unite to fight fraud","2022-09-23",{"level":235,"checkedAt":263},"2026-09-26","C","gia-singapore-industry-fraud-analytics",0,[268],{"kpi":51,"label":269,"unit":212,"aggregate":224,"higherIsBetter":224,"n":266,"nUpTo":270,"median":238,"min":238,"max":238,"byClaimant":271,"vendorOnly":200,"points":272},"Automation rate",1,{"organization":266,"vendor":266,"regulator":266,"independent":266},[273],{"evidenceId":237,"organization":199,"value":211,"qualifier":213,"claimant":215,"grade":236,"pooled":200},{"low":275,"high":276},600000,3200000,[278,299,321,339,354],{"slug":184,"title":279,"shortTitle":280,"definition":281,"status":9,"industries":282,"functions":283,"patterns":284,"audience":34,"autonomy":35,"adoptionStage":285,"segment":20,"evidenceCount":286,"publicEvidenceCount":286,"organizations":287,"bestGrade":236,"headline":293,"lastVerified":189,"indexable":224},"AI agent for first notice of loss claims intake","First notice of loss agent","An AI agent that takes the first notice of loss from a policyholder by phone, chat or app, identifies the policy, collects the facts of the incident and the evidence the claim type needs, opens the claim in the claims system and tells the customer what happens next, handing complex, injured or vulnerable claimants to a human handler.",[17],[20,21],[23,24,26,25],"early-adopters",5,[288,289,290,291,292],"DOMCURA","Hippo","Lemonade","Progressive","Travelers",{"kpi":54,"label":294,"unit":212,"n":270,"nUpTo":266,"kind":295,"value":296,"qualifier":297,"claimant":298,"organization":288,"vendorReported":224},"Accuracy","reported",90,"exact","vendor",{"slug":185,"title":300,"shortTitle":301,"definition":302,"status":9,"industries":303,"functions":304,"patterns":306,"audience":310,"autonomy":35,"adoptionStage":285,"segment":20,"evidenceCount":311,"publicEvidenceCount":312,"organizations":313,"bestGrade":236,"headline":318,"lastVerified":263,"indexable":224},"AI for claims triage and straight through processing","Claims triage and STP","AI that reads each new insurance claim and its documents, scores its complexity, cover questions, fraud and recovery signals, sends it to the right handling path and handler, and settles simple, low risk claims end to end within set limits without a person touching them.",[17],[20,305],"operations",[307,308,25,26,309],"classification-and-routing","prediction-and-scoring","summarization","back-office",9,7,[314,199,315,290,316,317,292],"Admiral Seguros","Hiscox","Sedgwick","Tokio Marine & Nichido Fire Insurance",{"kpi":51,"label":269,"unit":212,"n":270,"nUpTo":270,"kind":295,"value":319,"qualifier":320,"claimant":215,"organization":290,"vendorReported":200},55,"approximately",{"slug":186,"title":322,"shortTitle":323,"definition":324,"status":9,"industries":325,"functions":326,"patterns":327,"audience":34,"autonomy":35,"adoptionStage":285,"evidenceCount":329,"publicEvidenceCount":329,"organizations":330,"bestGrade":236,"headline":337,"lastVerified":189,"indexable":224},"AI agent for flight disruption and rebooking","Flight disruption and rebooking","An AI agent that tells passengers proactively when their flight is delayed, cancelled or misconnected, explains why, and lets them rebook, request a refund or voucher, or claim care such as meals and hotels in one conversation on app, messaging, web or phone, within the airline's reaccommodation rules and passenger rights, handing complex itineraries and upset customers to a human with the context attached.",[18],[21,305],[23,24,26,328],"content-generation",6,[331,332,333,334,335,336],"Air India","Delta Air Lines","JetBlue","Lufthansa Group","Pegasus Airlines","United Airlines",{"kpi":51,"label":269,"unit":212,"n":270,"nUpTo":266,"kind":295,"value":338,"qualifier":297,"claimant":298,"organization":331,"vendorReported":224},97,{"slug":187,"title":340,"shortTitle":341,"definition":342,"status":9,"industries":343,"functions":344,"patterns":346,"audience":310,"autonomy":349,"adoptionStage":350,"segment":20,"evidenceCount":286,"publicEvidenceCount":286,"organizations":351,"bestGrade":236,"headline":238,"lastVerified":189,"indexable":224},"AI for insurance claims fraud detection","Claims fraud detection","AI that scores every insurance claim for fraud from first notice of loss onwards, combining claim, policy, document, image and network data to find suspicious claims, organised rings and inflated losses, and sends each alert with its reasons to a claims handler or special investigations unit for review.",[17],[20,345],"fraud-prevention",[347,308,25,348,307],"anomaly-detection","computer-vision","assist","mainstream",[352,353,243,290,317],"Assurant","AXA Switzerland",{"slug":188,"title":355,"shortTitle":356,"definition":357,"status":9,"industries":358,"functions":359,"patterns":360,"audience":34,"autonomy":35,"adoptionStage":285,"segment":362,"evidenceCount":329,"publicEvidenceCount":329,"organizations":363,"bestGrade":236,"headline":369,"lastVerified":189,"indexable":224},"AI agent for insurance policy servicing","Policy servicing agent","An AI agent that answers policyholders' coverage questions from their own policy documents and completes routine policy changes and document requests (address and vehicle changes, adding a named driver or item, payment method updates, certificates and proof of cover) across chat, messaging and phone, and hands anything complex or sensitive to a human with the context.",[17],[21,305],[23,24,361,26],"rag-knowledge-assistant","policy-administration",[364,290,365,366,367,368],"LAQO","Nsure.com","Sun Life","Waterdrop","Zurich Insurance (Hong Kong)",{"kpi":52,"label":370,"unit":212,"n":371,"nUpTo":266,"kind":295,"value":372,"qualifier":373,"claimant":215,"organization":290,"vendorReported":200},"Containment rate",2,50,"at-least",{"indexable":224,"reasons":375},[],[377,382,387,394,401,407,413,419,426,433,440,446,453,460,466,471,478,484,490,496,502,508,514,519,524,530,537,542,547,554,560,566,573,578],{"id":147,"label":378,"issuer":155,"region":156,"url":379,"description":380,"useCases":381,"indexable":224},"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":383,"issuer":155,"region":156,"url":384,"description":385,"useCases":386,"indexable":224},"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":151,"label":388,"issuer":389,"region":390,"url":391,"description":392,"useCases":393,"indexable":224},"ISO/IEC 42001","ISO and IEC","global","https://www.iso.org/standard/81230.html","The international management system standard for AI.",110,{"id":395,"label":396,"issuer":397,"region":202,"url":398,"description":399,"useCases":400,"indexable":224},"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":402,"label":403,"issuer":155,"region":156,"url":404,"description":405,"useCases":406,"indexable":224},"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":408,"issuer":409,"region":156,"url":410,"description":411,"useCases":412,"indexable":224},"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":150,"label":414,"issuer":415,"region":156,"url":416,"description":417,"useCases":418,"indexable":224},"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":420,"label":421,"issuer":422,"region":245,"url":423,"description":424,"useCases":425,"indexable":224},"mas-ai-risk-management","MAS AI risk management guidelines","Monetary Authority of Singapore","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":427,"label":428,"issuer":429,"region":245,"url":430,"description":431,"useCases":432,"indexable":224},"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":434,"label":435,"issuer":436,"region":390,"url":437,"description":438,"useCases":439,"indexable":224},"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":441,"label":442,"issuer":443,"region":202,"url":444,"description":445,"useCases":439,"indexable":224},"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":447,"label":448,"issuer":449,"region":156,"url":450,"description":451,"useCases":452,"indexable":224},"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":454,"label":455,"issuer":456,"region":390,"url":457,"description":458,"useCases":459,"indexable":224},"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":461,"label":462,"issuer":155,"region":156,"url":463,"description":464,"useCases":465,"indexable":224},"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":467,"label":468,"issuer":155,"region":156,"url":469,"description":470,"useCases":465,"indexable":224},"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":472,"label":473,"issuer":474,"region":202,"url":475,"description":476,"useCases":477,"indexable":224},"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":479,"label":480,"issuer":155,"region":156,"url":481,"description":482,"useCases":483,"indexable":224},"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":485,"label":486,"issuer":487,"region":202,"url":488,"description":489,"useCases":483,"indexable":224},"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":491,"label":492,"issuer":493,"region":390,"url":494,"description":495,"useCases":483,"indexable":224},"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":497,"label":498,"issuer":155,"region":156,"url":499,"description":500,"useCases":501,"indexable":224},"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":503,"label":504,"issuer":505,"region":202,"url":506,"description":507,"useCases":501,"indexable":224},"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":509,"label":510,"issuer":422,"region":245,"url":511,"description":512,"useCases":513,"indexable":224},"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":515,"label":516,"issuer":155,"region":156,"url":517,"description":518,"useCases":513,"indexable":224},"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":520,"label":521,"issuer":155,"region":156,"url":522,"description":523,"useCases":513,"indexable":224},"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":525,"label":526,"issuer":527,"region":156,"url":528,"description":529,"useCases":311,"indexable":224},"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.",{"id":531,"label":532,"issuer":533,"region":202,"url":534,"description":535,"useCases":536,"indexable":224},"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":538,"label":539,"issuer":155,"region":156,"url":540,"description":541,"useCases":536,"indexable":224},"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":543,"label":544,"issuer":155,"region":156,"url":545,"description":546,"useCases":329,"indexable":224},"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.",{"id":548,"label":549,"issuer":550,"region":551,"url":552,"description":553,"useCases":286,"indexable":224},"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":156,"url":558,"description":559,"useCases":220,"indexable":224},"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":156,"url":564,"description":565,"useCases":220,"indexable":224},"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":245,"url":570,"description":571,"useCases":572,"indexable":224},"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.",3,{"id":574,"label":575,"issuer":155,"region":156,"url":576,"description":577,"useCases":572,"indexable":224},"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":579,"label":580,"issuer":581,"region":202,"url":582,"description":583,"useCases":572,"indexable":224},"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.",1790598296071]