Research Brief 003
October 4, 2026

One Chain: Disclosure and Accountability in AI Commerce

Two original audits examine how disclosure and accountability travel from AI-generated advertising to product recommendations and checkout.

The brief maps 53 provisions and examines 144 assistant answers to test whether information about synthetic advertising reaches shoppers when they ask about a product.

Ashwin Telang, Avisikta Sinha and Samuel Marson · AI in Regulated Institutions

Research Brief 002
July 2026

The Crumple Zone: Accountability in Financial Services When AI Agents Act on Their Own

Why human-in-the-loop oversight fails for agentic systems, and what actually closes the accountability gap.

“Human in the loop” has become the phrase institutions reach for when they cannot say where control actually sits. The Brief traces what happens to accountability when an agentic system acts inside a regulated workflow, and argues that oversight which is not designed into the architecture is only the appearance of oversight.

Ashwin Telang · AI in Regulated Institutions

Research Brief 001
June 5, 2026

The Clean Winner Bank: How Risk Discipline Becomes a Competitive Edge in AI & Financial Institutions

Governance treated as a deployment capability rather than a compliance cost.

Across financial services, AI governance has hardened into compliance theater. Applying the Clean Winners framework of Challagalla and Dalsace, the Brief examines the institutions that treat risk discipline as the thing that lets them deploy faster, and into more sensitive territory, than competitors can match.

Ashwin Telang · AI in Regulated Institutions

About the series

Research Briefs are HSI’s single-topic analyses. Each Brief addresses a specific institutional question with the depth and discipline of a working paper, written for decision-makers rather than academic readers.

Briefs sit between the short-form signals of Searchlight and the landscape surveys of Horizon Scans, and most belong to one of the Institute’s inquiries. Each Brief carries the byline of its responsible author or authors.