Sei AI Blog
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Building AI Agents for Open Banking While the 1033 Rule Is Enjoined
Section 1033 was finalized in 2024, enjoined in 2025, and is now under reconsideration. How we architect AI agents for personal financial data sharing so the design survives whichever way the rewrite lands.
Regulation E Error Resolution with AI Agents: A 1005.11 Playbook for Dispute Intake
Reg E error resolution has hard, statutory timing: 10 business days, provisional credit, 45 and 90 day windows. How to put an AI agent on dispute intake without missing a clock, and the verbal-claim trigger that keeps it compliant.
NYDFS Part 500 and the AI Cybersecurity Letter: What New York-Regulated Institutions Have to Build
New York's Part 500 is fully phased in and its October 2024 AI guidance tells covered entities how to apply it to AI risk. The controls that matter for an AI agent: phishing-resistant authentication, privileged access on the model store, AI vendor diligence, and data minimization.
FCRA Furnisher Accuracy for AI-Driven Decisioning and Servicing: A Section 623 Playbook
How AI agents affect FCRA Section 623 accuracy duties and dispute investigations. A playbook for meeting the reasonable-investigation standard in 2026.
TCPA Compliance for AI Voice Agents in Mortgage and Bank Outreach: A 2026 Field Guide
What the FCC's 2024 declaratory ruling, the one-to-one consent rule, and the Mortgage One class action mean for AI voice outreach — with the consent stack, suppression rules, and audit pack regulated lenders need.
AI Agents for BSA/AML: SAR Narratives, Transaction Monitoring Tuning, and the New Examiner Bar
How banks and credit unions can use AI agents inside BSA/AML programs — covering SAR narrative drafting, alert triage, transaction monitoring tuning, and the FinCEN and FFIEC controls examiners expect to see.
Fair Lending Testing for AI Agents: A Disparate Impact Playbook Under ECOA, HMDA, and the FHA
A working method for fair-lending testing of AI agents used in origination, marketing, and servicing — covering disparate impact, less-discriminatory-alternative search, marketing steering, and the exam-ready file.
AI Agents for Mortgage Loss Mitigation: A Regulation X Playbook for Servicers
How servicers can deploy AI agents inside the CFPB's loss mitigation framework — covering Regulation X timing rules, the 2024 proposed amendments, language access, dual tracking, and the exam-ready audit pack.
Third-Party Risk Management for AI Vendors: An Interagency TPRM Playbook for Banks
How banks should run TPRM for AI vendors under the 2023 interagency guidance (SR 23-4, OCC Bulletin 2023-17, FDIC FIL-29-2023) — covering the diligence pack, contract terms, ongoing monitoring, and concentration risk.
Adverse Action Notices for AI Credit Decisions: An ECOA Reg B Playbook
What CFPB Circular 2023-03 means for lenders running AI/ML credit models — how to generate specific, accurate reasons for denial under ECOA Regulation B without falling back on the sample form checklist.
Model Risk Management for AI Agents: An SR 11-7 and NIST AI RMF Playbook
How banks and regulated lenders should govern AI agents under SR 11-7, OCC Bulletin 2011-12, and the NIST AI Risk Management Framework — covering inventory, validation, ongoing monitoring, and challenger models.
AI Agents for Credit Unions: An NCUA-Aligned Deployment Guide
A practical guide for credit unions deploying AI voice and chat agents — covering NCUA expectations, Reg E, share-draft language, member experience, and the small-shop realities of CU technology stacks.
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