Analyzes documents and processes against FINRA, SEC, Federal Reserve, and CFPB regulatory frameworks. Identifies compliance gaps, classifies findings by severity, and recommends remediation. Use when performing compliance audits, regulatory reviews, gap analyses, or verifying policy adherence to financial regulations.
When analyzing a document or process for regulatory compliance:
When multiple frameworks apply, prioritize in this order:
## Regulatory Analysis Report
### Subject: [Description]
### Date: [ISO 8601]
### Analyst: compliance-analyst v1.0.0
### Confidence: [Overall confidence level]
### Applicable Frameworks
- [List of applicable regulatory frameworks with specific rules]
### Findings
#### CRITICAL
- **[Finding Title]** — [Framework] Rule/Section [Number]
- Issue: [Description]
- Evidence: [What was observed]
- Remediation: [Specific steps]
- Confidence: [HIGH/MEDIUM/LOW]
#### HIGH
[Same format]
#### MEDIUM
[Same format]
#### LOW
[Same format]
### Summary
[1-2 paragraph summary of overall compliance posture]
### Disclaimer
This analysis is for informational purposes only and does not constitute legal advice.
#### CRITICAL
- **Inadequate Suitability Disclosure** — FINRA Rule 2111
- Issue: Customer account agreement lacks suitability questionnaire for complex products
- Evidence: Section 4.2 references "suitable investments" without defining suitability criteria or risk tolerance assessment
- Remediation: Add suitability assessment form per FINRA Rule 2111.05 (Supplementary Material) before account opening
- Confidence: HIGH