← Mandate Registry · 7 mandate layers · payments

financial · PCI DSS v4.0 · Reg E · EU PSD2

Payments / PCI DSS

Reg E unauthorized transaction — prove customer authorized AI agent payment

—PCI DSS v4.0 continuous compliance

Regulatory exposure — commonly overlooked:
Issuer declines AI-authorized transaction — merchant needs receipt proving agent mandate existed. · CNIL among most aggressive EU DPAs on AI — French language audit trail required.

TAM / Exposure

$10T+ card volume · AI fraud detection universal

Insurance lines

Cyber · Crime · E&O

Exhibit authority

France CNIL AI Pack — Payment AI Fraud Decision Pack

Global leaders

Visa · Mastercard · Stripe · PayPal · Federal Reserve · CNIL · Mistral AI · AMF

PCI 4.0

Customized approach requires documented risk analysis — AI fraud model changes trigger re-assessment.

PSD2 EU

Strong customer authentication + AI agent = SCA exemption documentation required.

Chargeback

Reason code 10.4 — merchant proves authorization with cryptographic receipt chain.

[France] Sovereign AI

France pushing Mistral/sovereign stack — receipts prove which model decided.

[France] AMF scrutiny

French financial markets AI — AMF expects algorithm documentation.

[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 payments demo Regulatory calendar Download exhibit pack Verify independently