AI in Financial Services

Your AI credit decisions, underwriting models, and fraud detection face fair lending laws that treat algorithmic outcomes the same as human ones.

The pain

Fair lending enforcement is accelerating. The CFPB has made clear that AI models producing disparate outcomes are as liable as human decision-makers — and penalties include individual and class action damages.

ECOA / Reg B Fair Lending (HMDA) DORA

Laws that likely apply to you

  • ECOA / Regulation B — adverse action notices required for AI credit decisions; equal opportunity in lending
  • Fair Lending (HMDA) — disparate impact analysis for AI lending models; fair lending testing
  • DORA — ICT risk management for AI vendors serving EU financial entities
  • NIS2 — cybersecurity for AI service providers in financial infrastructure

What we do

We help financial institutions and their AI vendors build fair lending compliance programs — disparate impact testing, adverse action documentation, and audit readiness. If customer financial data is flowing into a third-party AI system with no controls, see Temper Enclave for the architectural fix.

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Informational only — not legal advice. Consult qualified counsel for binding guidance.