Compiled once, queried many times
The LLM does synthesis at ingest time - not on every agent call. Karpathy's wiki pattern applied to regulation.
Financial regulations knowledge base for AI agents.
203 structured, citation-accurate articles spanning UK and US — UK FCA coverage and US federal regulation (Reg B, Reg E, Reg V/FCRA, Reg Z, BSA/FinCEN, OFAC) — queryable via MCP from any AI agent or development environment.
Built for AI engineers and LLM developers shipping agents that touch UK or US financial regulation.
Citation-accurate by design
Every claim cites the applicable FCA or US CFR rule, handbook section, or paragraph. CISI-level accuracy standard.
Plain files, no lock-in
Markdown articles. Git history. No vector store, no proprietary index. You own it. Forever.
Example query
UK · FCA Consumer Duty (illustrative)
What an agent gets back
Prompt
Under the FCA Consumer Duty, what counts as a breach of the "act in good faith" rule at the product design stage?
Agent response
Acting in good faith requires honesty, fair and open dealing, and conduct consistent with the reasonable expectations of retail customers (PS22/9 §5.5).
FG22/5 §5.12 names specific bad-faith patterns at product design stage: features designed to exploit customers' behavioural biases (e.g. overvaluing immediate benefits and discounting future costs); algorithms or AI that embed or amplify bias unless objectively justified; product variations added to make comparison with competitors harder; and pricing structures that are not presented in a way that makes total cost easy to understand.
The FCA's February 2024 implementation review adds that "wait and see" behaviour - knowing of an issue and waiting for the FCA to intervene - is itself a breach of the cross-cutting proactivity obligation.
Cited sources
- FCA PS22/9 §5.5
- FCA FG22/5 §5.9-§5.14
- FCA Consumer Duty implementation review (February 2024)
Connect in 60 seconds
Paste your MCP config and connect
{
"mcpServers": {
"fin-regbase": {
"command": "/absolute/path/to/uv",
"args": [
"run",
"--directory",
"/absolute/path/to/fin-regbase/mcp-server",
"/absolute/path/to/fin-regbase/mcp-server/server.py"
]
}
}
}Setup steps
- 1
Clone the repo and install uv.
- 2
Run
uv syncinmcp-server. - 3
Replace the absolute paths in the config (including WIKI_PATH if your wiki directory is non-standard), then paste it into your MCP client.
- 4
Ask your agent a compliance question.
Next
What's inside
203 articles across UK and US financial regulation
Consumer Duty
- PS22/9 · FG22/5
- FG21/1 · Dear CEO
AML / CTF
- JMLSG Guidance
- MLRs 2017
Payment Services
- PSRs 2017 · EMRs 2011
- Open Banking · SCA
SM&CR
- Senior Managers
- Certification
- Conduct Rules
SYSC
- SYSC 4 governance
- SYSC 6 compliance and audit
- SYSC 15A outsourcing
DISP
- Complaints handling
- Motor finance DCA
- FOS jurisdiction
CONC
- Consumer Credit
- Financial Promotions
- Creditworthiness
Sanctions
- OFSI · SAMLA 2018
- FCTR reports
- Asset freezes
UK GDPR
- Art. 5 · Art. 17
- Subject Access
- Purpose Limitation
MiFID II
- Product Governance
- Suitability
- Conflicts (SYSC 10)
CASS
- Client money rules
- Custody and safeguarding
- Reconciliations
MAR
- Insider dealing
- Market manipulation
- STOR reporting
APP fraud
- PSR PS23/3
- Reimbursement scheme
- Liability allocation
Regulation B (ECOA)
- 12 CFR Part 1002
- Adverse action · SPCPs
- Section 1071 small-business data
Regulation E (EFTA)
- 12 CFR Part 1005
- Liability tiers
- Prepaid · gift cards · remittances
Regulation V (FCRA)
- 12 CFR Part 1022
- Furnisher duties
- Risk-based pricing · affiliate marketing opt-out
Regulation Z (TILA)
- 12 CFR Part 1026
- Open- and closed-end credit
- TRID · rescission · BNPL scope
Regulation X (RESPA)
- 12 CFR Part 1024
- Section 8 kickbacks · AfBA safe harbour
- Loss mitigation · escrow · error resolution
Regulation C (HMDA)
- 12 CFR Part 1003
- 38-field LAR · ULI · APOR spread
- Coverage thresholds · partial exemption
Dodd-Frank Title X
- CFPB structure · enforcement powers
- UDAAP · enumerated consumer laws
- State-law preemption · CIDs
BSA / FinCEN (General)
- 31 CFR Part 1010
- CTR · SAR · FBAR · CMIR · Form 8300
- CDD rule · travel rule · BOI/CTA · 314(a)/(b)
BSA Rules for Banks
- 31 CFR Part 1020
- AML programme five pillars · CIP
- CTR exemptions · bank SAR ($5K threshold)
OFAC
- 31 CFR Part 501 · SCP Framework
- Blocked property · SDN · Section 311
- Civil penalty matrix · VSD · 11 General Factors
Updated May 2026 · UK and US · Rule- and section-level citations
Reviewed against the FCA Handbook, ICO guidance, and US eCFR sources on each ingest.
Browse all 203 articles →See it in action
Watch an agent answer a Consumer Duty question
Start building compliant fintech agents.
Free. Open source. No sign-up.