RegImpact
For fintech & lending AI builders

CFPB, FTC, ECOA, EU AI Act. We translate them into action items.

AI underwriting, credit decisioning, fraud detection, robo-advisors. The regulatory surface is enormous and the enforcement teeth are real (CFPB $200M+ AI-related fines in 2024-25). Score every new rule against your product in 60 seconds.

Why Fintech AI founders use RegImpact

Fintech AI sits at the intersection of three regulators with overlapping authority: CFPB enforces ECOA fair-lending against algorithmic decisions, FTC enforces UDAP + FCRA against AI-driven consumer claims, and the EU AI Act now classifies creditworthiness AI as high-risk. Each one has its own action-item profile. None of them coordinate.

The companies getting hit hardest are the ones that didn't realize the rule applied to them. RegImpact reads every new guidance/rulemaking from these three agencies + state UDAP equivalents and tells you which articles, sections, and disclosures apply to your specific product.

What you're actually up against

  • CFPB has been treating "black-box" credit AI as a fair-lending risk under ECOA since 2023
  • EU AI Act Annex III lists "creditworthiness AI" as high-risk — full conformity + technical file required
  • FTC FCRA enforcement has expanded to include AI-driven background checks and tenant screening
  • State-level fintech laws (NY DFS, CA DFPI) layer on top of federal

Score your Fintech AI product

We've pre-filled a typical fintech ai product description. Edit it to match yours, drop in your email, and you'll get the top 3 most-relevant regulations scored 1-10 against your product (plus the rest emailed and behind the paywall).

Pre-filled for: AI underwriting platform

AI-powered underwriting and credit decisioning platform for SMB lenders. Generates risk scores, recommends loan terms, and flags fraud signals from application data + bank-statement analysis.

fintechlendingbankingUS

We'll send your scan results plus 2 short followups. No spam, unsubscribe anytime.

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Click Run to score this product profile against the most recent AI regulations in our database. 60 seconds.

Recent rules we're tracking (169 total)

A snapshot of the highest-relevance AI regulations in our database right now. Click into any rule for the plain-English explainer, or run the scan above to see which ones actually apply to your product.

FAQ

I'm B2B — my customers are lenders, not consumers. Am I in scope?
Yes for most fintech AI laws. ECOA, FCRA, and the EU AI Act apply to the entity using the AI to make decisions about consumers — but if you're the AI vendor, you typically have to provide your customers with the documentation, model cards, and audit logs they need to comply. We flag every rule that imposes vendor-side obligations.
How does the EU AI Act apply to a US lender?
Like all AI Act provisions, it applies the moment any of your end-users is in the EU. For lending AI, this is rare unless you serve EU residents directly — but it's common for fraud-detection vendors whose customers operate cross-border.
What's the deal with CFPB and "black-box AI"?
CFPB issued guidance in 2023 clarifying that creditors using AI/ML must provide accurate adverse-action notices regardless of model complexity. "We can't explain our AI" is not a defense. Several enforcement actions in 2024-25 followed. RegImpact tracks each new CFPB advisory + enforcement action and scores it against your product.
Do you cover state-level laws like NY DFS Cybersecurity Reg 23 or CA DFPI?
Partially — we cover state-level AI legislation (CA, CO, TX, IL) directly. NY DFS, CA DFPI, and other state regulator advisories show up via Federal Register cross-listings when applicable. Studio plan customers get a custom watchlist for state regulators of their choice.

$49/mo. Cancel anytime.

Continuous monitoring. Plain-English explainers. Action items. Built for indie AI founders.