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Tag: UCC Article 4A

1 article tagged “UCC Article 4A”
AI Agents

UCC Article 4A and the AI Wire-Verification Architecture: Commercially Reasonable Security Procedures When the Caller Is Verified But the Instruction Is Not

Wire fraud losses are running at multi-billion-dollar annual totals and the legal allocation of those losses runs through UCC Article 4A's commercially-reasonable-security-procedure standard. AI voice authentication of the caller does not, by itself, satisfy the security procedure for a payment instruction. The architecture we run so the bank's Article 4A position holds in court when the instruction was the fraud.

14 min read
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