Agentic AI in Consumer Financial Services: Use Cases, Legal Risks, and Regulatory Implications

Agentic artificial intelligence—AI systems that can act autonomously, initiate decisions, and interact directly with consumers—is rapidly moving from experimentation to deployment in consumer financial services. These developments raise fundamental questions about whether existing consumer protection, fair lending, and regulatory frameworks are equipped to address increasingly autonomous systems.

The webinar will open with a framing presentation by Professor Oren Bar-Gill, who will situate agentic AI within the broader evolution of algorithmic decision-making in consumer markets. Drawing on his scholarship on algorithmic differentiation and consumer harm, including Algorithmic Harm: Protecting People in the Age of Artificial Intelligence (co-authored with Cass Sunstein), Professor Bar-Gill will explore whether agentic AI represents a fundamentally new legal challenge or an intensification of existing doctrinal stresses around consent, disclosure, accountability, and market power.

What we’ll cover:

• What distinguishes agentic AI from traditional automation and generative AI
• Real-world and near-term use cases in consumer financial services
• How agentic AI challenges existing legal frameworks, including:
  • Attribution of decisions and liability
  • Fair lending and discrimination risk
  • UDAAP and consumer disclosure issues
  • Model risk management and governance
  • Regulatory expectations and enforcement risk
• Practical considerations for boards, compliance teams, and legal departments 

The discussion will be designed for lawyers, compliance professionals, policymakers, and financial services executives who want to understand not only where agentic AI is heading but how regulators and courts are likely to respond.

Speakers:

• Oren Bar-Gill, John Edward Sexton Professor of Law and Economics, NYU School of Law 
• Joseph Schuster, Partner, Ballard Spahr LLP
• Adam Maarec, Counsel, Ballard Spahr LLP
• Host: Alan Kaplinsky, Senior Counsel; Founder and former Leader of Consumer Financial Services Group, Ballard Spahr, LLP 

We hope you can join us for what promises to be a forward-looking and candid conversation about one of the most consequential technology shifts facing the consumer financial services industry today.

ADDITIONAL INFORMATION

This program is anticipated to qualify for 1.5 CLE credits in CA, NV, NY, & PA; and 1.8 in NJ. Uniform Certificates of Attendance will also be provided for the purpose of seeking credit in other jurisdictions.

12:45 PM - 1:00 PM ET | Log in
1:00 - 2:00 PM ET | Program

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