Talk to Fred
Field notes on conversational AI, compliance, and turning website visitors into customers.
Financial Services
A chatbot told a prospect to put 60% in index funds. That is investment advice without suitability analysis. The SEC has something to say about it.
Read more →Insurance
A chatbot told a policyholder "no problem, we'll get that taken care of" when they asked to cancel. Cancelling coverage requires a licensed agent.
Read more →Your website had 47 visitors this week. Three were ready to buy. Fred knows which three because Fred had the conversation.
Read more →Chatbots are instructed not to go off-topic. Instructions get forgotten, ignored, worked around. Fred is built so he cannot.
Read more →Healthcare & Medical
A patient described chest tightness to a chatbot. It triaged them, assessed symptoms, and suggested scheduling instead of the ER. That is practicing medicine.
Read more →78 chatbot-related bills filed across 27 states in early 2026 alone. The regulatory landscape is moving. Is your chatbot ready for it?
Read more →Legal & Compliance
A chatbot analyzed a visitor's legal dispute, cited the statute, and recommended small claims court. That is legal advice from an unlicensed entity on your site.
Read more →The cost of a bad AI deployment is measured in federal complaints, not refunds. The architecture behind the AI matters more than the model.
Read more →Healthcare & Medical
A chatbot quoted a root canal at $700-$1,500 and described insurance coverage. Fee quoting and clinical assessment require licensed personnel. The chatbot knew neither.
Read more →Regulated & Age-Restricted
No AI chatbot on the market can verify age, check state of residence, flag straw purchase indicators, or distinguish NFA items. Your bound book is clean.…
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