US banking and lending rules, enforced on everything AI says.

Consumer banking and lending in the US is regulated by the CFPB, the prudential regulators (OCC, Federal Reserve, FDIC), and state agencies. The core federal rules sit in Dodd-Frank and a set of implementing regulations: Reg Z for credit, Reg B for fair lending, Reg DD for deposits, Reg F for collections. Most of them say something specific about what a bank or lender may tell a customer.

Three requirements do most of the work. Nothing unfair, deceptive, or abusive: a product cannot be described in a way that misleads a reasonable consumer. Rate and fee claims have to include the required terms, stated in the required way (APR for credit, APY for deposits). No message may discourage or treat an applicant differently on a prohibited basis. Collections add rules about when, how often, and how a consumer can be contacted. A chatbot or drafting assistant is held to all of it.

Rulepacks cover the regulations. Upload your own policies in Policy, and Anchor enforces them alongside the rulepack on the same message, with the same verdict.

AI-Draft

Composed {
“Good news, there are no fees on this checking account.“
}

Anchor Scan

Verdict:

Fix

Rule Cited:

UDAAP; Regulation DD

Safe output

Rewritten {
This checking account has no monthly maintenance fee. Other fees may apply, including overdraft and wire transfer fees. The full fee schedule is at [link].
}

-> Activate the US Banking and Lending rulepack in Policy.