Regulatory compliance, powered by AI.
Know what applies. Understand what changed. Know what to do next.
Build your regulatory compliance program in days or weeks instead of months or years. Give your team time to move beyond checking boxes for the next exam and lead the risk decisions behind new products, new markets, and business growth.
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Know which regulations apply without the manual work.
Describe your institution once. applicable.ai checks each obligation against your profile and marks it applicable, not applicable, or potentially applicable, with a clear explanation. When it needs more information, it asks you instead of guessing.
“The creditor shall deliver or place in the mail the disclosures required under paragraph (e)(1)(i) of this section not later than the third business day after the creditor receives the consumer's application…”
Example Bancorp records residential mortgage lending as an active product line, which brings this paragraph into scope. The profile doesn't say whether the bank takes applications itself or only buys closed loans, so the call stays open.
Does Example Bancorp take mortgage applications itself, or only buy closed loans?
Find the changes that matter.
applicable.ai monitors official sources daily and alerts you to regulatory changes and proposed updates. Then automatically assesses their impact on your institution and recommends what to change.
The creditor shall must deliver or place in the mail the disclosures required under paragraph (e)(1)(i) of this section not later than the third business day…
Loan Estimate timing check
Suggested revision for your review. A qualified person must review this against the rule text before adopting it. This is preparation, not a determination that any requirement is addressed.
Answers, not alerts.
Don't give your team more alerts. Give them answers.
applicable.ai labels each change as material or immaterial and explains why, so you get alerts about changes that may require action in your business. Related updates are grouped into a single thread, making it easy to follow what’s connected as changes develop.
Example Bancorp offers checking accounts with overdraft coverage, so a change to fee disclosures would reach its account-opening documents and periodic statements.
- Proposed Rule
- Notice
- Notice
See what a change touches.
applicable.ai automatically assesses how regulatory changes affect your business and identifies controls or policies that may need updating. As proposed rules move toward adoption, it sends reminders so you have time to prepare.
Proposed rule on deposit account fee disclosures
Example Bancorp offers checking accounts with overdraft coverage, so a change to fee disclosures would reach its account-opening documents and periodic statements.
Turn obligations into controls and policies automatically.
applicable.ai groups obligations that ask for the same thing and uses the strictest requirement to determine what needs to be covered. It then maps existing controls and policies, suggests updates, or drafts new ones to fill the gaps.
Manage everything in applicable.ai or use our GRC integrations to build a complete inventory that connects your obligations to the controls and policies that address them.
Loan Estimate timing check
Every mortgage applicant gets the Loan Estimate within the required time after application.
Level up your compliance team.
applicable.ai automates the manual work of reviewing regulations, assessing changes, and keeping controls and policies aligned. Give your team more time to focus on strategic risk decisions and help the business plan its next move.
What would opening a location in another state mean for our compliance risk? Which regulators would oversee a new product or service? Help your team answer those questions before the business commits.
Plan your next move
Scenario planningLess hunting. More reviewing.
Upload a regulatory exam checklist and applicable makes it a project plan for your team to follow and automatically links associated evidence.
The agent does the legwork. Your team makes the decisions.
- Automatically links relevant evidence, controls, and regulations to exam requests
- Preserves original regulator questions and organizes responses in one place
- Frees your team to focus on complex regulator requests instead of gathering documentation
Exam preparation
↓ Download workbookChecklist item
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