Automated regulatory tracking that maps obligations before deadlines hit.
A regional bank operating across three states faces thousands of rule changes per year from federal (OCC, FDIC, CFPB, FinCEN) and state regulators. The compliance team manually monitors Federal Register publications, state bulletins, and industry guidance — then maps each change to existing policies and procedures.
AscentAI demonstrated that AI can extract individual obligations from regulatory text and map them to a firm's compliance inventory in minutes — ING and CommBank used it to generate MiFID II obligations in 2.5 minutes versus 1,800 hours manually. Behavox (named to RegTech100 2026) showed unified compliance monitoring can run on a single AI-powered stack. But these platforms price for global banks, not community banks.
The real risk is the amendment buried in a 200-page Federal Register notice that changes a reporting deadline. Missing it means enforcement action and consent orders.
This agent continuously monitors regulatory sources — Federal Register, state banking department publications, CFPB bulletins, FinCEN advisories. When a new rule or amendment is published, it uses NLP to extract specific obligations, affected entities, compliance deadlines, and required actions.
It maps each obligation against your compliance inventory — policies, procedures, and control documentation. Where a new rule affects an existing policy, it generates a change impact assessment: what needs updating, by when, and which business unit owns the control. Net-new obligations are flagged as gaps requiring policy development.
Your team gets a prioritized weekly digest: critical (near-term deadlines), significant (amendments to existing obligations), and informational (guidance). Each item includes source text, extracted obligations, mapped controls, and recommended actions with a complete audit trail.
Built on Python with FastAPI and Celery for asynchronous feed processing, backed by Elasticsearch for full-text regulatory document indexing and PostgreSQL for obligation tracking. Claude handles natural language extraction from dense regulatory text — pulling out effective dates, affected charter types, and specific obligations. Redis manages job queues and rate-limited ingestion from regulatory sources. Setup takes 3-4 weeks: your compliance inventory is ingested, jurisdiction coverage is scoped, and obligation mapping is calibrated to your charter type before handoff.
Monitors the Federal Register, CFPB, FinCEN, OCC, FDIC, and state-level regulators via structured feeds and HTML scraping. New rules and amendments are indexed within 24 hours of publication, including interim final rules and advance notices of proposed rulemaking.
Claude extracts specific obligations from regulatory text — effective dates, applicable entity types, prohibited conduct, required disclosures. Each obligation is matched against your existing policy and control inventory to surface gaps and affected procedures.
For each regulatory change, the agent generates a structured impact record: which policies need updating, which business units own remediation, and what the compliance deadline is. Prioritization is driven by deadline proximity and your institution's risk classification.
Every detection, assessment, and remediation step is logged with timestamps and source citations. The agent generates board-committee summaries and examination-ready reports in structured formats — no manual compilation before your next regulatory review.
Anonymized work with hard metrics — NDA-bound, no client names.
68%
Query Deflection
4.1s
Avg Response Time
3.2x
Advisor Throughput
“The query volume our advisors were handling manually dropped within the first month. The system handles the routine questions correctly, escalates when it should, and our compliance team signed off on every response template before it went live.”
— Head of Advisory Operations, Wealth Management Firm
91%
Auto-Verification Rate
6 min
Avg Processing Time
99.2%
Extraction Accuracy
“The 48-hour manual KYC process was a genuine bottleneck for onboarding. Getting it to 6 minutes for the majority of standard cases changed the conversation with prospective clients about time-to-account.”
— Chief Compliance Officer, Digital Lending Platform
We custom-build each agent to fit your data, your rules, and your existing systems.
Free 30-min scoping call
Fordel Studios