01 · OPENING
One trace in. One verifiable package out.
A Warrant record is the artefact a regulator reads. It cites specific articles by number, binds the agent decision to the obligation, and is independently verifiable without contacting Warrant. This page is the index of what we map and where each obligation lives.
Mapping is article-level. We cite specific obligations and the Warrant evidence fields that satisfy them. We do not claim certifications we do not hold. Coverage we have not shipped is not listed.
"Logs are the cheapest part of compliance. Producing the chain that makes them admissible is the entire job."Counsel B.W. · regulatory review · 2026-04-30
02 · REGIMES
Nine frameworks. Six jurisdictions.
Status chip per row. live means production-shipped article-level mapping. partial means some obligations satisfied, others surfaced as Gaps. roadmap means we have not shipped it. pending means the regime is still drafting.
EU · 2026-08-02
EU AI Act · Art. 12 + Art. 13
Regulation (EU) 2024/1689 · record-keeping and transparency to deployers · €15M or 3% turnover penalty. Application 2026-08-02 (subject to provisional deferral to 2027-12-02 under May 2026 Omnibus). live deep dive →
UK · 2023-07-31
FCA Consumer Duty · PS22/9 Principle 12
SMCR personal liability · DP24/2 AI scope. Retail customer outcomes evidenced per decision. live deep dive →
US · 2026
SR 11-7 / SR 26-2 · Federal Reserve
SR 11-7 revised by SR 26-2 (2026). Independent validation, ongoing monitoring, documentation, effective challenge. GAO B-331324 canonical citation. live deep dive →
US-NY · 2024-10-16
NYDFS Part 500 · 23 NYCRR § 500
Second Amendment + AI Industry Letter. § 500.6 audit trail, § 500.17(a)(1) 72-hour notice, § 500.1(e/f/k) defined terms. live deep dive →
IN · 2026-04-01
SEBI Retail Algorithmic Trading Framework
Feb 2025 circular, Sep 2025 extension, fully mandatory 1 April 2026. Pre-approval, model documentation, backtesting evidence. live deep dive →
IN · 2025-08-13
RBI · Framework for Responsible and Ethical Enablement of AI
FREE-AI Committee Report. Seven sutras, 26 recommendations, six pillars. AI in regulated banking entities. live deep dive →
IN · 2023-08
DPDP Act 2023
Digital Personal Data Protection Act. Lawful basis, purpose limitation, data principal rights. Up to ₹250 crore per breach. live deep dive →
SG · 2026
MAS AIRM · FEAT principles
Fairness, Ethics, Accountability, Transparency. Lifecycle controls for AI/ML in financial services. AIRM finalising 2026. partial deep dive →
EU · 2026 Q3
EU AI Act · Art. 14 + Art. 26(6)Human oversight effectiveness review, deployer-side log retention. Authorization-envelope foundation shipped; full Article 14 mapping planned v0.5. roadmap
W
Sample evidence packages · EU · UK · US · IndiaINDEPENDENTLY VERIFIABLE WITHOUT CONTACTING WARRANT
→ /samples
03 · MOAT
Per-article depth, not regime-level.
Horizontal infrastructure layers (runtime evidence buses, generic GRC platforms) cover regimes by name. Warrant cites specific articles, sub-clauses, and the Warrant evidence field that satisfies each one. That is the difference between an answer and a citation.
9
FRAMEWORKS COVERED
EU AI Act · FCA · SR 11-7 / SR 26-2 · NYDFS Part 500 · SEBI · RBI FREE-AI · DPDP · MAS AIRM. Article-level.
6
JURISDICTIONS
European Union, United Kingdom, United States Federal, New York State, India, Singapore.
2026-08-02· enacted
EU AI ACT APPLICATION
Annex III high-risk application date as enacted. Provisionally deferred to 2027-12-02 under the May 2026 Digital Omnibus on AI. Penalty €15M or 3% turnover under Article 99(4).
0
CERTIFICATIONS CLAIMED
We do not claim ISO, SOC, or any certification we do not hold. Mapping is verifiable; certification is not implied.
04 · VERIFICATION
The regulator never has to call us.
Anyone, including the regulator, can confirm an artefact is genuine independently, without contacting Warrant. Open /verify, paste a package id, and the record checks out on its own. That is the point.
MDR / IVDR (EU healthcare) is on the v0.5 roadmap, 2026 Q3. DORA (EU operational resilience for finance, mandatory 2025-01-17) is downstream of SR 26-2 mapping and shares roughly 70 percent of the evidence shape. Coverage we have not shipped is not listed.
05 · DECISION TREE
Which framework applies to your AI system.
A counsel reviewing an AI deployment in 2026 walks the same five branches. The questions follow Annex III, Principle 12, the Banking Law trigger, the SEBI pre-approval gate, and the FEAT lifecycle. Each leaf below names the regime that attaches and the deep-dive page that carries the per-clause map.
Q1
Does the AI system make, recommend, or score a decision affecting a natural person in the European Union, or is it placed on the Union market under Article 2(1)(a) · regardless of where the provider is established.
YES → Article 6 + Annex III triggers high-risk classification → EU AI Act mapping (Art. 12 + 13) attaches on 2026-08-02 (subject to provisional deferral to 2027-12-02 under the May 2026 Omnibus) with EUR 15M / 3 percent turnover penalty under Article 99(4).
Q2
Is the deployer FCA-authorised and is the AI involved in a retail customer outcome (lending, mortgages, insurance distribution, investment advice, payment account features).
YES → FCA Consumer Duty mapping attaches under PS22/9 Principle 12 plus DP24/2 AI scope. Senior Manager Function holder carries personal SMCR liability.
Q3
Is the operator an insured depository institution under Federal Reserve, OCC, or FDIC supervision, with the AI used in any material decisioning model.
YES → SR 11-7 / SR 26-2 mapping attaches under § III.B four pillars (validation, ongoing monitoring, documentation, effective challenge). NY-licensed entity → NYDFS Part 500 § 500.6 audit-trail and § 500.17(a)(1) 72-hour notice.
Q4
Does the AI act on retail Indian investors (algorithmic trading), AI-in-banking (regulated banking entity), or process personal data of an Indian data principal.
YES → India mapping · SEBI Retail Algorithmic Trading Framework pre-approval gate (mandatory 2026-04-01), RBI FREE-AI seven sutras + 26 recommendations, DPDP Act 2023 with up to ₹250 crore per breach.
Q5
Is the firm an MAS-licensed financial institution operating AI/ML at any lifecycle stage (design, development, deployment, monitoring, decommissioning).
YES → MAS AIRM mapping · FEAT principles operative since 2018, AIRM finalising 2026, Veritas Toolkit v2.0 the operational reference. Cross-border SG-licensed FIs see FEAT alongside SEBI/RBI in one evidence package.
Q6
Are two or more of the above true (cross-border firm, multi-jurisdictional deployment, group-level supervision).
YES → one Warrant trace, one evidence package, multiple regime attachments. The record is independently verifiable without contacting Warrant and returns the same answer to every supervisor; per-clause field mapping shows which obligation each evidence field satisfies.
06 · SAMPLE PACKAGES
Three evidence packages. Three jurisdictions.
Each sample is a real evidence package produced by Warrant against a hand-crafted trace. Each record is mapped to a specific obligation and is independently verifiable without contacting Warrant. Open offline and confirm it checks out on its own. No one ever has to call us.
W
EU sample · Frankfurt mid-market bank lending agent · maps Article 12 + 13INDEPENDENTLY VERIFIABLE WITHOUT CONTACTING WARRANT · ID 7de85ceaeac42a47
→ eu-fintech.pdf
W
US sample · Northcentral Trust Bank small-business underwriting · maps SR 11-7 + NYDFS § 500.6INDEPENDENTLY VERIFIABLE WITHOUT CONTACTING WARRANT · ID 041f2335488dd56f
→ us-fintech.pdf
W
India sample · RBI NBFC-MFI lending agent · CIBIL bureau report · maps SEBI + RBI FREE-AI + DPDPINDEPENDENTLY VERIFIABLE WITHOUT CONTACTING WARRANT · ID c30707ea704c6b6d
→ india-fintech.pdf
07 · RUN IT
Which regulators does Warrant map evidence against?
Each deep-dive page carries the verbatim statute text, the Warrant evidence field per obligation, the primary-source URL, and a sample evidence package you can confirm offline. The record returns the same answer to you, to your regulator, and to a stranger on the internet — independently verifiable without contacting Warrant.
WARRANT