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platform · EU AI Act Article 9 · DSA · FTC Section 5

Companion AI

Character.AI litigation — prove what AI said AND what AI refused to escalate

—CMA agent liability guidance (live)

Regulatory exposure — commonly overlooked:
Platforms log chats internally — plaintiffs challenge chain of custody. Independent verify changes discovery. · CMA: you are liable for your AI agent like an employee — applies to every agentic commerce vertical.

TAM / Exposure

Companion AI users 100M+ · wrongful death suits filed 2024-2026

Insurance lines

Platform liability · Wrongful death · Product liability

Exhibit authority

UK CMA Agent Liability Pack — Companion AI Crisis + Harm Audit Pack

Global leaders

Character.AI · Replika · OpenAI · FTC · 988 Lifeline · CMA · ICO · FCA

988 escalation

CRISIS receipt proves escalation path offered — or documents failure to escalate.

Minor users

COPPA + companion AI — age gate receipt required.

FTC §5

Unfair practice: AI encouraging self-harm without reasonable safety measures.

[United Kingdom] Post-Brexit divergence

UK not bound by EU AI Act but CMA/ICO more aggressive on agents.

[United Kingdom] London market

Lloyd's syndicates need AI decision audit for specialty lines.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run companion demo Regulatory calendar Download exhibit pack Verify independently