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.