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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

—HB 3773 AI in employment (live)

Regulatory exposure — commonly overlooked:
Issuer declines AI-authorized transaction — merchant needs receipt proving agent mandate existed. · Chicago = AmTrust HQ = hiring AI civil rights law live NOW. Notice + audit trail or per se violation.

TAM / Exposure

$10T+ card volume · AI fraud detection universal

Insurance lines

Cyber · Crime · E&O

Exhibit authority

Illinois IHRA AI Pack — Payment AI Fraud Decision Pack

Global leaders

Visa · Mastercard · Stripe · PayPal · Federal Reserve · IL Dept Human Rights · AmTrust · Equifax Workforce

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.

[Illinois] BIPA + HB 3773 stack

Biometric hiring + AI employment decisions — double exposure for same tool.

[Illinois] Home court

Illinois employers and insurers underwriting them need Illinois-specific receipt metadata.

[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