Sector Compliance Gaps

Where sector rules for AI agents are missing or uneven.

29 of 56 US insurance jurisdictions have adopted the NAIC AI model bulletin and four have their own rules, leaving about 23 with neither. The SEC withdrew its AI conflicts proposal in June 2025, while China's financial regulator issued 32 AI guidance items for banks and insurers in June 2026.

US insurance jurisdictions and the NAIC AI bulletin: Adopted the bulletin 29; Neither bulletin nor own rules 23; Own insurance AI rules 4. 23 is derived: 56 minus 29 minus 4 US INSURANCE JURISDICTIONS AND THE NAIC AI BULLETIN Adopted the bulletin 29 Neither bulletin nor own rules 23 Own insurance AI rules 4 JURISDICTIONS, OCT 2026 23 IS DERIVED: 56 MINUS 29 MINUS 4
FDA AI-enabled devices
1,614
SEC proposals withdrawn Jun 2025
14
China NFRA AI guidance items
32
China first L3 top speed
80 km/h

Evidence

China filled financial and vehicle gaps in 2025 and 2026 as US agencies withdrew

Developments: sector Compliance Gaps
DateDevelopmentCountryWhat happenedSource
Jun 12, 2025SEC predictive analytics proposal withdrawnUnited StatesNo AI-specific SEC rule remainsSource
Dec 15, 2025First Level 3 approvalsChinaChangan and Arcfox approved for single-lane Level 3 in pilot zonesSource
Jun 18, 2026NFRA AI guiding opinionsChinaRisk tiers, human oversight and a cautious line on financial agentsSource
Sep 4, 2026FDA AI device list updateUnited States1,614 devices; no field identifying LLM-based devicesSource
Oct 8, 2026NAIC adoption mapUnited States29 jurisdictions on the AI bulletinSource

Rules

Sector rules exist for insurance, banking and vehicles; agents fall between them

Key rules and standards: sector gaps
RuleJurisdictionWhat it requiresStatus
NAIC AI Model BulletinUS statesWritten AI program and third-party oversight for insurers29 jurisdictions
NFRA guiding opinions on AI in banking and insuranceChinaLifecycle governance, risk tiers, human oversightJun 18, 2026
SEC predictive data analytics proposalUS federalAI conflicts ruleWithdrawn Jun 12, 2025
EU DORAEUICT risk and third-party resilience; AI only as ICTFrom Jan 17, 2025
MIIT Level 3 market accessChinaConditional approval with speed and zone limitsFirst approvals Dec 15, 2025

Status colors: green in force, blue voluntary standard or framework, amber adopted and phasing in, gray draft or pending, red withdrawn.

Record

Page Record

Datasets
ai_compliance_evidence.csv (5 rows)
Key sources
SEC predictive analytics proposal withdrawn
First Level 3 approvals
NFRA AI guiding opinions
FDA AI device list update
NAIC adoption map
Last verified
October 2026