CFPB, FTC, ECOA, EU AI Act. We translate them into action items.
AI underwriting, credit decisioning, fraud detection, robo-advisors. The regulatory surface is enormous and the enforcement teeth are real (CFPB $200M+ AI-related fines in 2024-25). Score every new rule against your product in 60 seconds.
Why Fintech AI founders use RegImpact
Fintech AI sits at the intersection of three regulators with overlapping authority: CFPB enforces ECOA fair-lending against algorithmic decisions, FTC enforces UDAP + FCRA against AI-driven consumer claims, and the EU AI Act now classifies creditworthiness AI as high-risk. Each one has its own action-item profile. None of them coordinate.
The companies getting hit hardest are the ones that didn't realize the rule applied to them. RegImpact reads every new guidance/rulemaking from these three agencies + state UDAP equivalents and tells you which articles, sections, and disclosures apply to your specific product.
What you're actually up against
- CFPB has been treating "black-box" credit AI as a fair-lending risk under ECOA since 2023
- EU AI Act Annex III lists "creditworthiness AI" as high-risk — full conformity + technical file required
- FTC FCRA enforcement has expanded to include AI-driven background checks and tenant screening
- State-level fintech laws (NY DFS, CA DFPI) layer on top of federal
Score your Fintech AI product
We've pre-filled a typical fintech ai product description. Edit it to match yours, drop in your email, and you'll get the top 3 most-relevant regulations scored 1-10 against your product (plus the rest emailed and behind the paywall).
AI-powered underwriting and credit decisioning platform for SMB lenders. Generates risk scores, recommends loan terms, and flags fraud signals from application data + bank-statement analysis.
We'll send your scan results plus 2 short followups. No spam, unsubscribe anytime.
Click Run to score this product profile against the most recent AI regulations in our database. 60 seconds.
Recent rules we're tracking (169 total)
A snapshot of the highest-relevance AI regulations in our database right now. Click into any rule for the plain-English explainer, or run the scan above to see which ones actually apply to your product.
- federal register
AI-Enabled Optimization of Early-Phase Clinical Trials Pilot Program; Request for Information
The Food and Drug Administration (FDA or the Agency) is issuing this request for information to solicit input on a proposed pilot program to assess how artificial intelligence (AI)-enabled technologies can improve efficiency, speed, and quality of decision- making in early phase clinical trials. Ear
- fcc
Implications of Artificial Intelligence Technologies on Protecting Consumers From Unwanted Robocalls and Robotexts
In this document, the Federal Communications Commission (Commission or FCC) proposes steps to protect consumers from the abuse of Artificial Intelligence (AI) in robocalls alongside actions that clear the path for positive uses of AI, including its use to improve access to the telephone network for
- fcc
Disclosure and Transparency of Artificial Intelligence-Generated Content in Political Advertisements
In this document, the Federal Communications Commission (Commission or FCC) initiates a proceeding to provide greater transparency regarding the use of artificial intelligence-generated content in political advertising. Specifically, the Commission proposes to require radio and television broadcast
- fcc
Open Commission Meeting Thursday, August 3, 2023
The Commission will consider a Notice of Inquiry that would initiate a technical inquiry into how to obtain more sophisticated knowledge of real-time non- Federal spectrum usage-- and how the Commission could take advantage of modern capabilities for doing so in a cost- effective, accurate, scalable
- eu ai act
Overview of Guidelines for GPAI Models
On 18 July 2025, the European Commission published draft Guidelines clarifying key provisions of the EU AI Act applicable to General Purpose AI (GPAI) models. The Guidelines provide interpretive guidance on the definition and scope of GPAI models, related lifecycle obligations, systemic risk criteri
- eu ai act
Providers of General-Purpose AI Models — What We Know About Who Will Qualify
This content is outdated – Draft guidelines have now been published by the AI Office, which you can learn more about here. On 22 April 2025, the AI Office published preliminary guidelines clarifying the scope of the obligations for providers of GPAI models. These outline seven topics that are expect
- fcc
Open Commission Meeting Wednesday, August 07, 2024
The Commission will consider a Report and Order to establish a Missing and Endangered Persons event code that will provide law enforcement, EAS Participants, and WEA providers with a means to quickly disseminate information pertaining to missing and endangered persons cases. 2.................. Cons
- eu ai act
Why work at the EU AI Office?
It’s probably not for everyone, but there are a lot of great reasons to consider, including the potential to have an impact on AI governance worldwide, leveraging the first-mover advantage, and more.
FAQ
- I'm B2B — my customers are lenders, not consumers. Am I in scope?
- Yes for most fintech AI laws. ECOA, FCRA, and the EU AI Act apply to the entity using the AI to make decisions about consumers — but if you're the AI vendor, you typically have to provide your customers with the documentation, model cards, and audit logs they need to comply. We flag every rule that imposes vendor-side obligations.
- How does the EU AI Act apply to a US lender?
- Like all AI Act provisions, it applies the moment any of your end-users is in the EU. For lending AI, this is rare unless you serve EU residents directly — but it's common for fraud-detection vendors whose customers operate cross-border.
- What's the deal with CFPB and "black-box AI"?
- CFPB issued guidance in 2023 clarifying that creditors using AI/ML must provide accurate adverse-action notices regardless of model complexity. "We can't explain our AI" is not a defense. Several enforcement actions in 2024-25 followed. RegImpact tracks each new CFPB advisory + enforcement action and scores it against your product.
- Do you cover state-level laws like NY DFS Cybersecurity Reg 23 or CA DFPI?
- Partially — we cover state-level AI legislation (CA, CO, TX, IL) directly. NY DFS, CA DFPI, and other state regulator advisories show up via Federal Register cross-listings when applicable. Studio plan customers get a custom watchlist for state regulators of their choice.