CFPB Bank Chatbot Investigation
System Description
AI chatbots deployed by major commercial banks for customer service
Authoritative Output Type
Financial guidance, account assistance, customer service responses
Missing Required State
Consumer rights recognition, regulatory compliance verification, dispute escalation triggers
Why This Is SAF
CFPB investigation found all top 10 commercial bank chatbots failed to recognize when customers invoked legal rights, creating 'doom loops' where customers couldn't reach human assistance
Completeness Gate Question
Has this chatbot interaction been evaluated for consumer rights invocation requiring human escalation?
Documented Consequence
CFPB investigation findings published, White House 'Time Is Money' initiative tasked CFPB with chatbot crackdown
Notes
- **Verified**: 2025-12-19 - **Investigation Date**: 2023-2024 - **Notes**: Part of broader regulatory attention to AI customer service creating barriers to human assistance
Prevent this in your system.
The completeness gate question above is exactly what Ontic checks before any claim gets out. No evidence, no emission.