VERTICAL ENFORCEMENT · FINANCE
SEC, FINRA, DORA, and MiFID II compliance for trading, advisory, and communication AI.
THE REGULATORY CONTEXT
Financial AI is the most aggressively supervised technology in the world. A trading algorithm that generates market manipulation. An advisory chatbot that provides unregistered investment advice. A communications AI that mishandles material non-public information. Each is not a compliance gap. It is a securities violation with an average fine of $2.4 million and potential criminal referral.
SCOPE
Applies to all broker-dealers, investment advisers, banks, hedge funds, private equity firms, fintechs, insurance carriers, and trading platforms using AI for trading, advice, risk analysis, communication, or compliance.
KEY ENFORCEMENT DATES
NOW
SEC Investment Advisers Act record-keeping applies to AI-generated advice
NOW
FINRA Rule 4511 applies to AI-generated books and records
AUGUST 2, 2026
EU AI Act Article 50 applies to financial AI chatbots and client-facing tools
JAN 1, 2027
DORA operational resilience requirements become enforceable for EU financial firms
Q1 2027
SEC AI-specific examination priorities for broker-dealers and advisers
2027
MiFID II algorithmic trading reporting requirements expand to AI-generated orders
RTFCT FINANCE COVERAGE
REQUIREMENT
Advisers must maintain accurate books and records. AI-generated advice must be documented, retrievable, and defensible.
RTFCT SOLUTION
Every AI-generated recommendation is logged in the VLT with the full input context, model version, and output. The record is cryptographically signed and immutable. Regulatory examination packages are generated with one click.
COVERAGE: FULL STRUCTURAL COVERAGE
REQUIREMENT
Broker-dealers must preserve all business communications and records. AI-generated communications are business records.
RTFCT SOLUTION
All AI-generated client communications, trade recommendations, and risk disclosures are captured in the VLT. The evidentiary chain includes timestamp, user identity, model version, and cryptographic hash. WORM-compliant archive structure.
COVERAGE: FULL STRUCTURAL COVERAGE
REQUIREMENT
Financial firms must ensure operational resilience of ICT systems, including AI. Incident reporting and business continuity are mandatory.
RTFCT SOLUTION
The VLT provides continuous operational logging with real-time incident detection. AI system outages, policy violations, and anomalous behaviors are flagged and logged automatically. Incident reports are generated in DORA-compliant format.
COVERAGE: FULL STRUCTURAL COVERAGE
REQUIREMENT
Algorithmic trading systems must maintain detailed records of trading algorithms, parameters, and execution logs.
RTFCT SOLUTION
Every AI-generated trading decision is logged with the algorithm version, input data, decision parameters, and execution outcome. The log is immutable and regulator-ready. MiFID II reporting packages are generated automatically.
COVERAGE: FULL STRUCTURAL COVERAGE
REQUIREMENT
AI systems must not generate market manipulation, insider trading, or material non-public information leakage.
RTFCT SOLUTION
Market abuse detection at inference time. The system checks AI-generated trading content and communications against known market manipulation patterns and MNPI databases. Violations are detected, logged, and flagged for compliance review. Evidence is preserved for enforcement.
COVERAGE: FULL STRUCTURAL COVERAGE
REQUIREMENT
High-risk AI systems including credit scoring and insurance pricing must maintain logs, ensure human oversight, and provide transparency.
RTFCT SOLUTION
The VLT captures every financial AI inference with full technical documentation, human oversight attestation, and transparency metadata. The evidentiary chain satisfies Article 50 logging requirements for high-risk AI systems.
COVERAGE: FULL STRUCTURAL COVERAGE
ADDITIONAL FEATURES
AI-generated orders and communications are automatically checked against surveillance databases.
SEC, FINRA, and DORA reports are generated in regulator-ready format with cryptographic attestation.
Material non-public information is flagged in AI inputs and outputs. Access is restricted to authorized personnel.
Automatic handling of EU and US dual-jurisdiction requirements for global financial firms.
Dedicated pipeline for SEC, FINRA, DORA, and MiFID II rule changes.
PRICING
$6,000 / month base
+ $1,000 / month per AI system
12-month minimum commitment. Regulatory reporting automation included.
WHAT IS INCLUDED
Full SEC Investment Advisers Act record-keeping coverage
FINRA Rule 4511 books and records compliance
DORA operational resilience and incident reporting
MiFID II algorithmic trading log generation
Market abuse detection at inference time
MNPI protection and handling protocols
Trade surveillance integration
Regulatory reporting automation (SEC, FINRA, DORA, MiFID II)
Cross-border EU and US coverage
EU AI Act Article 50 high-risk system logging
Priority financial regulatory update notifications
1,095-day immutable VLT retention
FINANCE COMPLIANCE
Financial AI is not a trading advantage. It is a regulated activity. The RTFCT Finance Vertical provides structural compliance for trading, advisory, and communications AI. Every trade is logged. Every recommendation is defensible. Every report is regulator-ready.
BEGIN ONBOARDINGTHE FINANCE VANGUARD COHORT
Be among the first 20 financial firms to deploy structural compliance. Vanguard members receive discounted base pricing ($5,000 / month), priority regulatory updates, and direct implementation support.
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