AI RIG Technology
The Intelligence Layer
◆ Capture
☰ Summarize
◆ Map & Gap
⚫ Search
Horizon Scanner
● Capturing 27 jurisdictions
1Global Sources
→
2AI Capture Engine
→
3Structured Regulations
EMEA
EU AI Act Amendment 2026/118
Expands high-risk classification to AI credit-scoring and bias auditing for all financial institutions operating in EU markets.
● 12 Jun 2026Financial ServicesHigh
EMEA
UK AI Safety Institute Code of Practice
Requires safety testing and transparency reporting for AI models used in drug discovery and clinical decision support.
● 28 May 2026PharmaceuticalMedium
US
AI Risk Management Framework v3.0
Mandates third-party bias audits for all consumer-facing AI systems in banking, lending, and insurance underwriting.
● 3 Jun 2026Financial ServicesHigh
US
AI Bill of Rights Oversight Act
Establishes federal oversight board for algorithmic accountability across technology platforms and automated decision systems.
● 20 May 2026TechnologyMedium
APAC
Japan AI Guidelines v2 — Autonomous Systems
Sets liability and safety standards for autonomous vehicle AI, requiring real-time monitoring and fail-safe mechanisms.
● 15 Jun 2026AutomotiveMedium
APAC
Singapore AI Governance Framework
Voluntary AI ethics framework for fintech firms; encourages explainability and fairness testing in credit decision models.
● 1 Jun 2026Financial ServicesLow
Americas
Brazil AI Bill 2026 — Data Protection
Regulates AI use in agricultural credit scoring and crop insurance, requiring human review for adverse decisions.
● 8 Jun 2026AgricultureLow
Americas
Canada AI & Data Act — Health Impact
Imposes impact assessments for AI systems in healthcare diagnostics, with mandatory reporting of algorithmic bias findings.
● 25 May 2026HealthcareMedium
⚠ New Regulation
EU AI Act — Amendment 2026/117
AI Systems Affected
23
may be reclassified as high-risk
New Obligations
6
compliance requirements identified
Critical Deadline
9 mo
from publication · Mar 2027
Coverage Gap
42%
current controls mapped
Key Amendment: "High-risk AI systems in financial services shall undergo independent bias auditing at least annually. Where disparate impact exceeds 5%, remedial measures and 30-day notification required."
Source: EU AI Act Art. 73b(3) · Amended text
✓ RIG-Generated Action Plan
1Assess AI systems against new high-risk criteriaCRO
2Schedule bias testing for 12 lending modelsCompliance
3Update explainability docs for credit AIModel Risk
4Implement human oversight for auto-rejectionsOps
5Prepare board AI risk report per Art. 73bCRO
★ RIG Summary
● RIG Analysed Amendment 2026/117. 23 systems may be reclassified. 6 new obligations identified. 3 priority areas: bias auditing, explainability, human oversight.
What are the key impacts on our credit models?
● RIG Three critical impacts: 12 lending models may require bias retesting, explainability docs for credit AI must be updated, and a human oversight workflow for auto-rejections is needed.
What is the deadline?
● RIG 9 months from publication (Mar 2027). 5-step action plan generated with ownership assignments.
⚫
All
Gaps (3)
4
Obligations Identified
2
Controls Mapped
3
Gaps Found
| Regulatory Obligation | Risk Exposure | Source Policy | Existing Control | Gap Status | Fix Required |
|---|---|---|---|---|---|
| Independent bias auditing | Disparate impact >5% | Fair Lending v4.2 | Annual model validation | Partial | Expand scope |
| 5% threshold monitoring | Missed notification | Unmapped | No control | Gap | Create monitoring control |
| 30-day notification protocol | Regulatory penalty | Unmapped | No control | Gap | Build workflow |
| Human oversight | Operational risk | AI Governance v2.1 | Human-in-loop | In Prog. | Q3 implementation |
📈 Gap Closure Action Plan
3 of 4 obligations have gaps requiring remediation. Priority actions assigned below.
Create threshold monitoringCompliance
Q3 2026Build notification workflowOps
Q4 2026Expand bias auditing scopeModel Risk
Q1 2027
Your Query
“AI regulatory changes affecting credit lending”
● Horizon
● Library
● Governance
● RIG
RegulationEU AI Act — Art. 73b(3) Bias Auditing
"High-risk AI systems in financial services shall undergo independent bias auditing annually. Where disparate impact exceeds 5%, remedial measures required."
Horizon AlertAI Changes — Last 30 Days
7 changes across 3 jurisdictions: EU AI Act amendment, FCA explainability guidance, ECB AI risk expectations.
Internal DocFair Lending Policy — v4.2 (Model Risk)
"All credit decision models validated annually for regulatory compliance including disparate impact analysis."
Policy MatchAI Governance Policy — v2.1 (Human Oversight)
"All automated credit decisions must include human-in-loop review where the applicant is a natural person and the decision is adverse."
⚙ Search Result Breakdown
Regulatory changes12
Regulations in library8
Internal policies5
Internal procedures4
Internal controls3