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California's AI Transparency Act (SB 942) is operative from 2 August 2026. It settles AI-content provenance, not whether that content is compliant.
Aviva is quoting home insurance through ChatGPT, and the FCA is already assessing AI across the distribution chain. The rules apply now.
FINRA named it a priority, but six regulators across five jurisdictions had already regulated it. Same conclusion, different frameworks.
FINRA's 2026 report gives generative AI a standalone section for the first time — governance, testing, and oversight expectations included.
FINRA sanctions rose 77% in 2025 — driven not by new content, but by live content approved under rules that no longer apply.
Content production soared while compliance stayed manual. Nobody had built the infrastructure between the two — so we did.