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

Payments / PCI DSS

Reg E unauthorized transaction — prove customer authorized AI agent payment

—CMA agent liability guidance (live)

Regulatory exposure — commonly overlooked:
Issuer declines AI-authorized transaction — merchant needs receipt proving agent mandate existed. · CMA: you are liable for your AI agent like an employee — applies to every agentic commerce vertical.

TAM / Exposure

$10T+ card volume · AI fraud detection universal

Insurance lines

Cyber · Crime · E&O

Exhibit authority

UK CMA Agent Liability Pack — Payment AI Fraud Decision Pack

Global leaders

Visa · Mastercard · Stripe · PayPal · Federal Reserve · CMA · ICO · FCA

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.

[United Kingdom] Post-Brexit divergence

UK not bound by EU AI Act but CMA/ICO more aggressive on agents.

[United Kingdom] London market

Lloyd's syndicates need AI decision audit for specialty lines.

[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