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IA y Derecho
Robo-advisors and financial rules: algorithmic advice still needs a license
Using AI to advise on investment, credit, or insurance can fall within licensing and suitability obligations.
In finance, giving investment advice, credit decisions, or insurance recommendations often requires a license and carries suitability, disclosure, and fair-treatment duties. Delivering it via AI does not waive them.
Explainability, risk disclosure, and conflict-of-interest management are focal points for financial regulators.
Assess licensing needs before entering financial use cases, build algorithmic governance and records, and configure suitability and disclosure flows per market.