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
—HB 3773 AI in employment (live)
Regulatory exposure — commonly overlooked:
Platforms log chats internally — plaintiffs challenge chain of custody. Independent verify changes discovery. · Chicago = AmTrust HQ = hiring AI civil rights law live NOW. Notice + audit trail or per se violation.
TAM / Exposure
Companion AI users 100M+ · wrongful death suits filed 2024-2026
Insurance lines
Platform liability · Wrongful death · Product liability
Exhibit authority
Illinois IHRA AI Pack — Companion AI Crisis + Harm Audit Pack
Global leaders
Character.AI · Replika · OpenAI · FTC · 988 Lifeline · IL Dept Human Rights · AmTrust · Equifax Workforce
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.
[Illinois] BIPA + HB 3773 stack
Biometric hiring + AI employment decisions — double exposure for same tool.
[Illinois] Home court
Illinois employers and insurers underwriting them need Illinois-specific receipt metadata.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →