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Every AI rule asks the same five questions.

Different regulators, different deadlines, one demand: show what your agent did, and prove the record hasn’t changed. Find the rules that apply to you in under a minute.

01 — The five questionsWhat every auditor asks

Different rules. The same five questions.

Strip away the legal language and every framework below wants the same things from your AI agents. Answer these five and you’re most of the way there.

01

What did the agent do?

Runfile’s answerEvery prompt, tool call and approval, captured as it happens.

02

Has anyone changed the record?

Runfile’s answerEach event is sealed to the one before it, so any edit shows.

03

Who approved it?

Runfile’s answerThe approver, time and reason, signed into the record.

04

Can you rebuild the decision?

Runfile’s answerReplay any run step by step, with the exact inputs it saw.

05

Did you keep it long enough?

Runfile’s answerRetention set per rule, from six months to seven years.

Who asks what

Explicitly required Expected in practice Not a core ask
FrameworkRecord every stepProve it’s unchangedShow who approvedRebuild any decisionKeep it for years
EU AI ActEU
DORAEU financial services
US model-risk guidanceUS banking
GDPREU · UK
SOX §404US public companies
HIPAAUS healthcare

Simplified for orientation, based on public guidance current to May 2026. Not legal advice.

02 — Find your rulesThree questions · under a minute

Which rules apply to you?

Answer three quick questions. We’ll show which major rules likely apply, and when they bite.

01Where do your agents operate?

02What industry are you in?

03What do your agents do?

Pick all that apply.

0

rules likely apply to youA starting point, not legal advice.

    Also worth mapping

    03 — The rules, in plain EnglishSix with real obligations

    What each rule means for your agents.

    These six carry concrete, dateable demands for records of what an AI system did. Open any one to see what you’ll need to show, and how Runfile covers it.

    EU AI ActArticle 12 & 26(6) · EUIf your AI makes high-stakes decisions about people in the EU, it must log what it does automatically, and you must keep those logs.High-risk duties2 Dec 2027

    What you’ll need to show

    • An automatic record of events over the system’s whole lifetime
    • Logs kept for at least six months, often longer under sector law
    • Enough detail to reconstruct what happened, and when

    How Runfile covers it

    A monthly Article 12 log-integrity report, produced with a single command.

    Key facts

    Standalone high-risk
    2 Dec 2027
    Embedded high-risk
    2 Aug 2028
    Retention floor
    ≥ 6 months
    Penalty (Tier 2)
    €15M / 3%
    The detail

    High-risk AI systems must “technically allow for the automatic recording of events over the lifetime of the system,” and deployers must retain those logs for at least six months, a floor rather than a target. Article 17 adds a Quality Management System; Annex IV adds technical documentation.

    The Act does not explicitly require cryptographic logs, but it does require completeness, integrity and reconstruction. A mutable log fails all three.

    The May 2026 Digital Omnibus moved standalone high-risk obligations to 2 Dec 2027 and embedded high-risk to 2 Aug 2028, both now fixed calendar dates. Tier 1 penalties (prohibited practices) run to €35M / 7%; Tier 3 (incorrect information) to €7.5M / 1%.

    DORADigital Operational Resilience Act · EUEU banks and insurers must track IT incidents, report major ones fast and keep an audit trail, and AI systems are included.In force17 Jan 2025

    What you’ll need to show

    • A record of every ICT incident, from detection to recovery
    • Major-incident reports inside the 48-hour window
    • Audit trails that cover AI systems too

    How Runfile covers it

    Incident packets generated straight from the captured events, with hashes that hold up across the reporting timeline.

    Key facts

    Live
    17 Jan 2025
    Incident SLA
    48 hours
    Retention
    ~5 years
    Scope
    EU + UK CTP
    The detail

    Live across EU financial services since 17 Jan 2025: ICT risk management, an ICT third-party register, incident reporting and audit trails. Mid-2025 BaFin guidance pulled AI explicitly into DORA scope; the UK CTP regime adopted parallel rules from 1 Jan 2025.

    US model-risk guidanceFed · FDIC · OCC interagency principlesUS banks must document, validate and monitor their models. AI agents will be judged the same way.Effective17 Apr 2026

    What you’ll need to show

    • Documentation of how each model works
    • Independent validation
    • Ongoing monitoring once it’s live

    How Runfile covers it

    An annual model-documentation pack and a continuous monitoring report, mapped to those three pillars.

    Key facts

    Effective
    17 Apr 2026
    RFI pending
    Agentic AI
    Predecessor
    SR 11-7
    Sector
    US banking
    The detail

    On 17 April 2026 the Fed, FDIC and OCC rescinded SR 11-7, SR 21-8, OCC 2011-12, the OCC MRM Handbook booklet and OCC Bulletins 1997-24 and 2021-19, replacing them with risk-tiered, principles-based, technology-neutral interagency guidance. The agencies signalled a forthcoming AI-specific RFI; dedicated agentic-AI guidance is still pending. SR 11-7’s three pillars remain the template AI systems will be measured against.

    GDPRArticle 22 & Article 30 · EU · UKWhen software makes a significant decision about a person, they have rights, and you need records showing a human was involved.In forceMay 2018

    What you’ll need to show

    • Records of processing activities (Article 30)
    • Proof a human meaningfully reviewed automated decisions (Article 22)
    • Who approved, when, and why

    How Runfile covers it

    Captures the human approval, with identity, timestamp and signed justification, that takes a decision out of “solely automated”.

    Key facts

    Live
    May 2018
    Penalty
    €20M / 4%
    Scope
    EU + UK
    The detail

    Article 22 governs automated decisions with legal or similarly significant effect on a person; Article 30 mandates records of processing. When an agent denies credit, declines a claim or routes a hire, both articles fire.

    SOX §404Sarbanes-Oxley · USIf an agent touches your financial reporting, its actions become part of your audited controls.In force2002

    What you’ll need to show

    • Every agent action that touched a financial control
    • The integrity of those records for seven years
    • Fast answers to auditor questions about any single event

    How Runfile covers it

    Seven-year retention, continuous integrity proofs and point-in-time queries on any control event.

    Key facts

    Live
    2002
    Retention
    7 years
    Owner
    Internal Audit
    The detail

    When an agent triggers or affects a financial control, such as revenue recognition, journal entries or period close, the agent action becomes SOX-relevant. Internal Audit teams already worry about this; few have the records to answer.

    HIPAAOCR audit logs · USIf an agent reads or changes patient data, you must log who (or what) did it, and keep that log for six years.In force1996

    What you’ll need to show

    • Which agent touched which patient-data fields
    • Any human approval involved
    • Six years of retention

    How Runfile covers it

    BAA-capable from day one, with healthcare data residency on request.

    Key facts

    Live
    1996
    Retention
    6 years
    BAA
    Day one
    The detail

    When an agent is the actor touching PHI, the covered entity needs an identifiable agent principal, the action, the PHI fields touched and any human approval.

    04 — Key datesWhat’s live · what’s coming

    Some rules are live. The biggest is coming.

    2025202620272028
    Already in forceGDPR · SOX · HIPAASince 2018, 2002 and 1996
    17 Jan 2025DORA goes liveEU financial services
    17 Apr 2026US model-risk guidanceReplaces SR 11-7
    Today
    2 Dec 2027EU AI Act · standalone high-risk
    2 Aug 2028EU AI Act · embedded high-risk

    Dates reflect public guidance current to May 2026, including the Digital Omnibus. Confirm with your regulatory counsel.

    05 — Also supportedPrinciples, not deadlines

    Also supported. Without the hype.

    Principles-based regimes that matter to your auditor. We cover them, but we won’t pretend they come with deadlines.

    NIST AI RMF + GenAI Profile

    Govern, Map, Measure, Manage: a voluntary US vocabulary.

    Runfile: Event-graph mapping to MEASURE and MANAGE outcomes; CSA Agentic Profile companion.

    Supported

    ISO/IEC 42001:2023

    A certifiable AI management system. Procurement pull is real.

    Runfile: The evidence repository feeds your 42001 audit out of the box.

    Supported · own cert Q2 2027

    UK · FCA & PRA

    Technology-neutral: SS1/23 model-risk principles, Consumer Duty, SMCR.

    Runfile: UK residency, an SS1/23 documentation pack, Live Testing compatible.

    Supported

    FINRA Notice 24-09

    Existing rules apply to AI-assisted communications and supervision.

    Runfile: Communication-side agent capture with supervisor approval trails.

    Supported

    Colorado AI Act

    A risk-management programme for high-risk AI, plus consumer notice.

    Runfile: Risk-management programme template and audit-ready evidence.

    Supported · confirm date with counsel

    TRAIGA (Texas)

    Responsible AI governance with documented controls.

    Runfile: The same evidence pack, retitled for state filings.

    Supported · confirm with counsel

    SOC 2 (AI considerations)

    Trust services criteria with AICPA AI add-ons.

    Runfile: Runfile is SOC 2 Type II, and helps your own AI engagement too.

    Both directions

    FDA SaMD AI-ML

    Predetermined change control with full change logs.

    Runfile: Captured natively, with a PCCP-mode export.

    On request
    § Next step

    Pick a framework. We’ll show you the package.

    We’ll send the actual evidence-package PDF for the framework most relevant to your remit — redacted reference data, real cryptographic structure.

    Dates above reflect public guidance current to May 2026, including the Digital Omnibus. For programme decisions, confirm with your regulatory counsel.