Sectoral Enforcement: FTC, EEOC, CFPB, FDA, and Financial Regulators

How AI actually gets policed in America without an AI statute: the FTC’s deception and unfairness playbook and the delete-your-model remedy, Title VII and ECOA applied to algorithms, FDA’s lifecycle regime for adaptive medical devices, SR 11-7 as the original model-risk framework, and the map of which enforcer reaches which harm.

Content current as of 2026-09.

Lessons

1. No AI exemption
2. The FTC: deception, unfairness, and the delete-your-model remedy
3. Hiring and lending: EEOC, Title VII, and the CFPB
4. FDA devices and bank model risk: the two mature regimes
5. The full map: securities, insurance, state AGs — and how to read it