Frequently asked questions
What does applicable.ai do?
applicable.ai reads federal and state banking rules one duty at a time and says which apply to you, and why. If it can't tell, it asks. Then it drafts controls for the duties that apply.
When can I use it?
Soon. Customer accounts are by invitation while we build. The view-only library is open now.
Who is it for?
The compliance officer at a community bank or credit union who needs a list she can defend as her own. Colleagues answer from an emailed link; counsel or audit read the CSV.
What can I see without being a customer?
Every source we track, read-only, no bank data. Sign up with an email and a username; we email you a one-time link.
Is this legal advice?
No. We're not a law firm. applicable.ai drafts a decision and shows its reasoning and the source text. You and your counsel decide.
Will my examiner accept it?
We can't promise that and won't. We don't examine, audit or attest. What you bring is your own reviewed list, with a reason on every line.
How does it decide?
applicable.ai reads each duty for who it binds, what triggers it and its carve-outs, then checks those against your profile. Thresholds are compared in code. Silence becomes a question.
What if it's wrong?
Override it. Your call sets the status and survives every re-run. Until you review a decision, it's AI output, and it says so.
Does it write our controls?
applicable.ai drafts them from the duties that apply, owner and testing procedure included. It reuses a control you have first. Nothing you've edited is overwritten.
Can I get the controls into our GRC?
Decisions export to CSV today. So do controls and their mappings.
Does it replace our compliance team or counsel?
No. applicable.ai does the reading so your hours go on judgment.
What do I do on day one?
Describe the institution: charter, regulator, states, products, size. You can start from a draft, but confirm each fact; some will be wrong. Then start with the open questions.
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