As AI moves from assistant to agent, the legal liability for "hallucinations" and data breaches falls squarely on the broker. Is your governance framework ready?
Interactive: Hover over the data points to see how autonomous tech shifts your risk profile compared to traditional manual workflows.
Human-led. AI drafts emails, suggests products, and summarizes notes. The broker reviews everything before it leaves the desk.
Low. Standard professional indemnity applies as the human remains the primary decision-maker.
Agent-led. AI triggers document requests, updates HEMs, and submits data to lenders via API without manual prompts.
High. Errors in AI logic result in direct BID breaches. The broker is liable for "Automated Negligence."
Governance
Establish hard, coded limits on where AI agents can operate. No AI write-access to core CRM files without a "Human Gate."
Compliance
Qualified, licensed personnel must sign off on every AI-generated credit assessment. Manual verification is your only legal defense.
Security
Audit office smart devices (printers/cameras) before March 2026 mandates. Secure the physical backdoors to your digital data.
Select your current implemented safeguards: