Artificial Intelligence (AI) & Digital Marketing Since 2009
Agent providers and two major banks now assign an AI agent’s errors to the customer.
The article reads the Instinct terms, the Chase Digital Services Agreement, and Wells Fargo’s Section 15, which takes effect November 24, 2026, against the federal law that limits what such terms can settle. It sets Lead Bank’s proposed waterfall and the OCC’s November 4 examiner resource beside them, and names the five records that will decide where the first contested loss stays.
Automation and human checkpoints each have a place and a rule, and the failure is selling one as the other.
Basil C. Puglisi frames Responsible AI as the factory, where the machine checks the machine, and AI Governance as the handmade product, where a named human holds binding authority at checkpoints. Drawing on enforcement actions, court cases, and research on AI labels, the article sets out where each model belongs, what transparency costs, and how European rules, SEC enforcement, Colorado’s new law, and New York’s court rule reach the same line by different routes. It proposes an inspection mark that shows the customer who answers.
The definition problem of January 2026 now runs as code.
This rebuild of the HAIA-RECCLIN Agent Architecture Specification introduces the Alpha release of Agent Model 1, Responsible AI written as code that passes nothing without a gate, and Agent Model 2, the hybrid that runs through to AI Governance at a signed human checkpoint after every role. It revisits Agent Model 3, Manual Human AI Governance, which built both releases, and states plainly what the Alpha does not claim.
