Compliance
Marginalia
Regulatory Change Parser
Parses incoming regulation into structured, mapped obligations and surfaces control gaps.
The case it handles
A representative case
- Reg ID
- cfr 31 1020
- Section
- 1020.220
- Summary
- Customer identification program (CIP) requirements for banks amended.
Raw scenario input (JSON)
{
"regId": "cfr-31-1020",
"section": "1020.220",
"summary": "Customer identification program (CIP) requirements for banks amended."
}The contract
What it takes, does, and returns
- Reg ID
- Section
- Summary
- Get regulationget_regulation
- List controlslist_controls
- Record assessmentcommitrecord_assessment
How it's checked
Checked against golden cases
- cip-1020.220
CIP rule: controls cover collect/verify/recordkeep but NOT government-list screening or customer notice → 2 gaps.
- sar-1020.320
SAR rule: largely covered by the SAR control; obligations include filing, threshold, timing, confidentiality, recordkeeping.
- adv-1020.210-mostly-covered
AML program: four pillars covered by CTRL-AML-01; the one real gap is risk-based ongoing CDD / beneficial ownership. Must not invent gaps for the covered pillars.
- adv-1022.210-applicability
AML program for MONEY SERVICES BUSINESSES, not banks. Must flag the applicability/scope mismatch, not declare bank-control coverage.
Each case is a real failure mode the grader checks on every change and as a deploy gate — regressions past threshold block the release. Adversarial cases probe the failure modes the golden set doesn't.
Briefing
Briefing
- Parses new or amended regulation into discrete, atomic obligations — single actions the bank must take, each carrying its citation.
- Maps obligations to the documented control inventory by scope, not keyword: a control counts as covering an obligation only when its described reach actually extends there.
- Checks applicability first — rules that bind broker-dealers or money services businesses are not credited against the bank's controls.
- Neither invents gaps nor invents coverage; the output is a worked gap list with concrete remediation actions a compliance officer can assign.
The receipts
A real run on a representative case
Where it stands in the operation