← Mandate Registry · 7 mandate layers · companion
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
—Colorado AI Act high-risk deployment
Regulatory exposure — commonly overlooked:
Platforms log chats internally — plaintiffs challenge chain of custody. Independent verify changes discovery. · First comprehensive US state AI law — impact assessments require documentation Velaru generates.
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.
[Colorado] Developer vs deployer
Colorado splits obligations — receipt chain clarifies who documented what when.
[Colorado] Insurance nexus
Colorado insurers using AI in underwriting must comply while selling AI EPL.
[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.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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