Decisions, not dashboards.
Governed AI your examiner can audit.
A complete AI governance policy pack for Registered Investment Advisers — authored with compliance counsel and distilled from 8 years in enterprise production.
- SEC Rule 206(4)-7 + 204-2
- Reg S-P 2024 amendments
- FINRA 2026 ARO Report
- EU AI Act · Colorado AI Act
AI Use Policy — Meridian Wealth Advisors
- Approved & prohibited uses with state-law triggers
- Risk tiers keyed to CO AI Act consequential decisions
- Reg S-P 30-day awareness-trigger language
- Two-party-consent flow (CIPA, IL Eavesdropping)
- Agentic AI prohibition without §6A controls
- FinCEN deepfake / SAR escalation rule
The compliance question every RIA founder will face.
Adoption is outpacing oversight. Nearly three-quarters of financial firms plan to deploy agentic AI within two years; only 21% have a mature governance model. The gap is where the fines live.
Your advisers are already using AI you didn’t approve.
CRM AI features, Copilot, meeting note-takers, AI-drafted client emails — none of it registered, all of it in scope. The compliance obligation is already yours.
The SEC’s 2026 Exam Priorities call out AI by name.
FY2025 flagged AI. FY2026 doubled down and named agentic AI specifically. Examiners now treat AI as in scope for every adviser exam.
Reg S-P 2024 is live.
Smaller-entity deadline June 3, 2026 — past. The 30-day clock starts at awareness, not “determination.” Most policies have the wrong trigger.
AI-washing is now a securities offense.
Delphia · Global Predictions · Joonko · Presto. Four SEC actions for overstating AI capability — under both Gensler and Atkins.
The legal route is slow.
Hiring a securities attorney to learn AI: months. Custom drafting: $40K–$80K and six weeks. Waiting for an enforcement action: worse.
Five more deadlines in 12 months.
Colorado AI Act Jun 30. EU AI Act Aug 2. CA ADMT operational Apr 2027. NY RAISE Act Jan 2027. Texas TRAIGA in force.
The complete AI compliance policy pack — for RIAs, by people who run AI in regulated production.
Five regulator-ready documents, internally cross-referenced, already filled out for a fictional firm called Meridian Wealth Advisors. Tailor it to your firm in an afternoon.
The RIA AI Governance Policy Pack v1.2
Five documents · ~70 pages · DOCX (editable) + HTML (browsable)
- AI Use Policy
Approved & prohibited uses, escalation triggers, data restrictions, AI Officer designation. Risk-tier table keyed to Colorado AI Act, CA ADMT, and EU AI Act Article 6.
Doc 116 pages - AI Use-Case Inventory
The artifact examiners ask for. Eight sample deployments, Mode column (Static vs. Agentic), state-law applicability. Answers the eight governance questions per row.
Doc 2Landscape DOCX - AI Vendor Due Diligence
~50-question DDQ. Eight parts including a cross-border / EU AI Act Part VIII. Model contract clauses. Scoring rubric with an agentic-AI override.
Doc 322 pages - AI Recordkeeping Policy
Maps every AI artifact to Rule 204-2 retention. Reg S-P awareness-trigger language. FTC Safeguards distinction. Two-party-consent and agentic-audit rows.
Doc 414 pages - AI Constitution
10 principles, 22 behavioral rules, 7 agentic-AI invariants. Machine-readable extract drops into your system prompt. For firms developing proprietary AI.
Doc 514 pages - Bonus — Two independent compliance reviews
The pack has been independently audited twice (v1.0 and v1.2) against current SEC, FINRA, and state law.
Audit trailPublic
The pack is a professionally authored baseline. We recommend your own counsel review the tailored version before adoption.
At ForwardLane, we’ve been building Decision Velocity for wealth and asset management for almost a decade — including a team at Invesco managing $3.4tn that’s been in enterprise production with our agents for 8 years. The single biggest blocker we’ve watched firms hit isn’t the technology. It’s governance.
An MIT report this year found that 95% of generative AI pilots never make it into production. The ones that do tend to be the ones that figured out governance early. We packaged what we’ve learned into a complete policy baseline that a $200M–$5B independent RIA can adopt in an afternoon.
What’s not free is the live monitoring — the agent that watches your firm’s actual AI use and tells you the moment you’ve drifted. But you don’t need it on day one. The pack alone solves the immediate exam-readiness problem.
Before you ask.
Is this legal advice?
No — it’s a professionally authored baseline you adapt to your firm, footnoted to current regulatory sources. We recommend your own counsel review the tailored version before adoption.
What does the free pack actually cost?
Your email and a few qualifying details (firm name, AUM band, role). We use those to send v1.3 when the regulatory landscape moves and to notify you when the live Governance Subscription opens.
Do you see our data?
No — and this is non-negotiable. The pack is yours outright; the download is a one-time DOCX bundle that lives in your environment. No training on your data, no tenant comingling.
How current are the citations?
Regulatory snapshot as of May 14, 2026 — SEC 2025/2026 Exam Priorities, the four AI-washing cases, Reg S-P 2024 amendments, FINRA 24-09 + 2026 ARO, FinCEN deepfake alert, FTC Safeguards, NIST AI RMF, Colorado AI Act, CA ADMT, Texas TRAIGA, EU AI Act, NY RAISE Act, and more.
Will my outside counsel still need to bless this?
Yes — and they should. This is a polished starting draft that saves your counsel meaningful drafting time so they can focus on the parts that require legal judgment for your firm.
Get the AI governance pack examiners now expect.
Five regulator-ready documents. Authored with compliance counsel. Distilled from 8 years in enterprise production. Free for RIAs.