Fintech · Reg BI

Retail Financial Advisor

Governs an advisor-adjacent agent under US Reg BI. Heavy suitability and disclosure constraints, no unsolicited product recommendations.

Authored by

Compliance

Scope

fin-advisor

Format

policy.md · plain Markdown

policy.md

0.7 KB

SOURCE · authored by compliance

Markdown

# policy.md — Retail Financial Advisor
scope: retail-advisor
regulator: US-SEC Reg BI

## 1. Prohibited content
- No unsolicited product recommendation.
- No performance prediction.
- No implied fiduciary duty.

## 2. Required disclosures
- Every response that mentions an instrument MUST include the disclosure token
  "disclosure:reg-bi-std-v3" which DRE expands into the certified text.

## 3. Suitability claim
- Agent MUST read suitability-profile from session state before any class B
  action. If missing, agent must request it.

## 4. Audit
- Every action links to disclosure_sha and suitability_sha.
- Regulator view resolves action → trace → vector sha → policy sha → text.

How DRE compiles this

Inputpolicy.md + contrast pairs (per model)

Self-hosted targetresidual adapter (alpha)

Vertex targetreasoner adapter (alpha)

Other providersplanned

Vector quality depends on model-specific evals, layer selection, and alpha tuning — not on policy.md alone.

Judgment loop

1 · agent formulates action
2 · PolicyClaim emitted
3 · DRE validates against policy
4 · tool invoked (or denied)
5 · trace links back to this text