On 5 February 2026 the UK replaced Article 22 with Articles 22A to 22D. What a brokerage running AI replies, risk scores and lifecycle triggers must now show.
EIOPA's opinion on AI governance covers intermediaries, not only insurers. What its six areas ask of a brokerage running AI in a shared WhatsApp inbox.
A demo tells you nothing about where client data goes. The POPIA operator, security and cross-border questions a South African brokerage should ask in writing.
Your brokerage runs AI-assisted replies. What MIPRU 3.2 obliges you to hold, and what the Insurance Act 2015 duty of fair presentation means at renewal.
Section 35 of the Data Protection Act, the DPIA that automated decisions trigger, and the ODPC registration a small Kenyan brokerage cannot skip.
Article 35 does not care that your AI only drafts replies. The screening test a brokerage should run before switching it on, and what to write down after.
Sentiment models score lower on isiZulu and Sesotho than on English. How a brokerage should test its WhatsApp classifier before letting it reply on its own.
The FSCA and PA have mapped AI use in the sector. What POPIA section 71 and FAIS ask of a brokerage that scores client risk and drafts replies with AI.
The high-risk deadline moved to December 2027. What the AI Act genuinely requires of a brokerage using AI drafts on WhatsApp, and what it does not.
A governance checklist for broker firms using AI-assisted WhatsApp replies under Consumer Duty: sign-off, escalation, records and SM&CR accountability.
Auto-replies and AI drafts help a brokerage answer faster, but the FSP stays accountable. The rules, thresholds and audit logs compliance should approve.
