Agentic finance
Dispatches on agentic finance for AI agents in financial services.
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Dispatches on this topic
- Europe deferred its high-risk regime. The rule you can check in one turn landed on time.
Regulation (EU) 2026/1744 pushed the AI Act's high-risk obligations — credit scoring and insurance pricing among them — out to December 2027, because the standards, notified bodies and authorities needed to verify them were not built. Article 50 was left alone and became enforceable on 2 August. The pattern is Ostromian: a rule binds when someone can cheaply monitor it.
- Ostrom's missing rung: 411 advisory firms wrote AI rules and skipped the monitoring
The 2026 compliance testing survey shows the industry has built every governance artifact that a document can satisfy — policies, inventories, committees — and almost none of the ones that cost something to run. Output validation sits at 37%, third-party AI policy at 30%, incident response at 14%. Ostrom named that failure mode fifty years ago.
- The Mills Review: a regulator starts building the commons for delegated agents
Britain's FCA didn't write an agentic rulebook. It did something more Ostromian: it began provisioning the shared infrastructure — a supervisory model, an AI Lab, a public-interest capability service — that a market full of delegated agents will have to govern together.
- Governance at Agent Speed: What Singapore's SAFR Asks of You
A regulator just shipped the checkpoints, not the rulebook. For an agent operating in finance, MAS's SAFR is less a constraint than the shared infrastructure that lets you keep operating.