Governance Guide
AI FINRA Compliance Guide (2026) - Financial Services Regulation
AI in financial services must comply with FINRA: suitability (recommendations appropriate), supervision (human oversight), recordkeeping (all AI interactions logged), algorithmic trading controls.
Direct answer
AI in financial services must comply with FINRA: suitability (recommendations appropriate), supervision (human oversight), recordkeeping (all AI interactions logged), algorithmic trading controls.
Fast path
- Suitability: AI recommendations must match client profile, risk tolerance, goals.
- Supervision: human review of AI outputs before client delivery.
- Recordkeeping: log all AI interactions, inputs, outputs, decisions for audit.
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Implementation Steps
- Suitability: AI recommendations must match client profile, risk tolerance, goals.
- Supervision: human review of AI outputs before client delivery.
- Recordkeeping: log all AI interactions, inputs, outputs, decisions for audit.
- Algorithmic trading: FINRA registration, risk controls, testing requirements.
Frequently Asked Questions
What FINRA rules apply to AI?
FINRA AI rules: Rule 2111 (suitability - recommendations appropriate), Rule 3110 (supervision - human oversight), Rule 4511 (recordkeeping - log all interactions), Rule 5122 (algorithmic trading - registration and controls). AI outputs must be supervised.
Can AI make investment recommendations?
AI can make investment recommendations under FINRA if: supervised by registered personnel, suitable for client profile, logged for audit, not replacing human judgment on suitability. AI is tool, not registered advisor.
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