← Mandate Registry · 7 mandate layers · funeral_services

healthcare · HIPAA · FDA SaMD guidance · EU AI Act Annex III

Funeral / Death Care AI

AI obituary/grief bot liability — wrongful infliction of emotional distress claims rising

—FTC funeral rule + state board enforcement

Regulatory exposure — commonly overlooked:
Funeral home owns AI error — vendor owns 'memorial tech' disclaimer · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

$20B US death care

Insurance lines

E&O · Cyber · Sector liability

Exhibit authority

Florida OIR AI Pack — Funeral / Death Care AI External Validation Pack

Global leaders

Service Corporation Intl · FTC · NFDA · Florida OIR · Citizens Property · Universal Property

Grief bot litigation

Character.AI parallel — AI grief counselor said what to family at worst moment.

State board

Funeral directors licensed — AI without documentation loses license

[Florida] Hurricane claims AI

Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.

[Florida] Surplus lines

Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run funeral_services demo Regulatory calendar Download exhibit pack Verify independently