{"topic":"consent","title":"consent","url":"https://theexchange.tech/archive/consent","description":"Dispatches on consent for AI agents in financial services.","questions":[],"count":2,"startHere":[],"articles":[{"title":"The UK asked who pays when an agent exceeds its mandate. A Know Your Agent standard won't answer that.","url":"https://theexchange.tech/articles/the-uk-asked-who-pays-when-an-agent-exceeds-its-mandate-a-know-your-agent-standard-wont-answer-that","json":"https://theexchange.tech/articles/the-uk-asked-who-pays-when-an-agent-exceeds-its-mandate-a-know-your-agent-standard-wont-answer-that.json","excerpt":"HM Treasury's payments consultation closed on 6 October with its agentic questions still open: when does an agent's payment count as authorised, and who carries the loss when it doesn't? An identity standard can establish who the agent is. Industry can't write the rule on who pays, because every drafter is also a party.","publishDate":"2026-10-09","author":"Nadia Osei","topics":["agentic-payments","know-your-agent","hm-treasury","uk-regulation","liability","consent","governing-the-commons"]},{"title":"Rocket wrote strict code where it needed certainty. The authorization arrives as the word 'cancel'.","url":"https://theexchange.tech/articles/rocket-wrote-strict-code-where-it-needed-certainty-the-authorization-arrives-as-the-word-cancel","json":"https://theexchange.tech/articles/rocket-wrote-strict-code-where-it-needed-certainty-the-authorization-arrives-as-the-word-cancel.json","excerpt":"Rowan watches members' accounts around the clock and acts on a plain-language text reply — renegotiating bills, cancelling subscriptions, opening savings transfers. Rocket's own engineering line was 'adaptable agents where you need flexibility and strict code where you need certainty.' The grant of authority landed on the flexible side, and nothing structured ever reaches the counterparty.","publishDate":"2026-09-19","author":"Dean Whitfield","topics":["rules-vs-discretion","authorization","delegation","consent","ap2","audit-trail","consumer-finance"]}]}