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Financial Services

Fred: A Collections Assistant That Verifies Before It Discloses

A website bot that confirms a debt to whoever is typing just made an unauthorized disclosure. Here is an assistant built so it cannot.

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Financial Services

The FDCPA, Reg F, and the Website: A 2026 Collections Playbook

On a collection site, the conversation is the regulated act. Here is what a compliant AI assistant can and cannot do under the FDCPA and Reg…

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Financial Services

Under the FDCPA, Every Chat Is a ‘Communication’

Someone types a name and a balance into the website chat. The assistant confirms the account and offers a payoff. It just made a regulated communication…

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Financial Services

Fred: A Client Assistant That Won’t Give Tax Advice or Leak a Return

A chatbot that answers 'can I deduct this' has taken a tax position your firm now owns. Here is an assistant built to book the work…

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Financial Services

Circular 230, Section 7216, and Your Firm’s Website: A 2026 Tax-Practice Playbook

A tax answer is professional advice the firm has to stand behind, and client data has its own statute. Here is the 2026 standard for an…

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Financial Services

When Your Firm’s Website Gives Tax Advice No One Will Sign

A prospect asked the firm's website if they could write off their home office and how to handle a 1099. The bot answered. No preparer reviewed…

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Financial Services

Fred: A Borrower Assistant That Won’t Quote Rates or Trip Reg B

A website bot that quotes a rate or hints at approval has made advertising and fair-lending representations under your NMLS number. Here is one built so…

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Financial Services

Fred: A Crypto Site Assistant That Won’t Pitch Tokens or Promise Yield

A support bot that calls a token 'a solid entry' can forfeit a safe harbor and pull the asset into securities law. Here is an assistant…

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Financial Services

Fred: A Prospect Assistant That Won’t Give Advice or Promise Returns

A chatbot that recommends a fund or hints at a return is making regulated representations under your firm's name. Here is one built so it cannot.

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Financial Services

Rate Quotes, Reg Z & Fair Lending: A 2026 Mortgage Web Playbook

Mortgage is one of the most heavily regulated conversations a website can have. Here is what a compliant AI assistant can and cannot do in 2026,…

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