/ 0113 September 2026
Decision Record
TL;DR: Every AI rule written for financial services since 2024 converges on one demand. A record. Firms understand the obligation. They fail at the schema, the write path, and the retention decision. This piece is the build specification nobody publishes.
* Show a decision your system made, prove what it was, why it happened, which control was in force, and who owned it.
* APRA says it in principle-based language. The EU says it in Article 12. The SEC said it in 2022 without mentioning AI at
