Regulation
The rules that apply when an AI agent moves money.
Courts and regulators already treat a business’s AI agent as the business. These explainers cover the rules that matter for agents that move money, from refunds and discounts to payment plans, collections and negotiated terms, and what each one means for how you build and test them.
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- Regulation · UKUK CMA guidance on AI agents: what it means for refund and discount agentsThe CMA says businesses answer for their AI agents under consumer law, with fines up to 10% of turnover. What that means for refund and discount agents.
- Regulation · Case lawIs a chatbot’s promise legally binding? Moffatt v. Air Canada and what to design forA tribunal made Air Canada pay for its chatbot’s wrong refund advice. What Moffatt v. Air Canada decided, what it did not, and how to design agents for it.
- Regulation · USRegulation F and AI collections agents: the rules your agent has to followRegulation F applies to AI debt collection agents as it does to people. Call limits, disclosures, opt-outs, validation and settlement talk, with tests.
- Regulation · USThe FTC, DoNotPay and testing AI claims: what it means for agents that make offersThe FTC fined DoNotPay $193,000 after alleging it never tested its “robot lawyer”. What the order requires and what it means for agents that make offers.
- Regulation · EU and USEU AI Act Article 50 and US chatbot disclosure laws: what your agent must tell customersEU AI Act Article 50 has required chatbot disclosure since 2 August 2026. What it says, what the Digital Omnibus changed, and California and Utah bot laws.
- Standard · CertificationAIUC-1 certification for AI agents: what it requires for agents that move moneyAIUC-1 certifies AI agents with audits and quarterly third-party testing. The controls that apply to refund and discount tools, and the financial-harm gap.
- Standard · SecurityOWASP Excessive Agency (LLM06) for refund and discount agentsOWASP LLM06:2025 Excessive Agency applied to agents with refund and discount tools: the three root causes, the mitigations, and the Agentic Top 10 risks.
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