RegAI.cloud

AI · Regulation · Governance · Policy

Where AI meets the rules that govern it.

RegAI.cloud provides clear analysis and insights on how artificial intelligence and emerging technologies are reshaping the world. We cover the evolving landscape of law, policy, regulation, and governance shaping AI innovation, ethics, and societal impact — across jurisdictions, institutions, and disciplines.

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Law & Liability

Doctrinal analysis of how existing legal frameworks — criminal, civil, administrative — apply to AI actors, automated decisions, and algorithmic harms.

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Policy & Regulation

Comparative and forward-looking coverage of AI regulatory frameworks, legislative developments, and the institutions shaping AI governance worldwide.

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Technology & Society

Sociotechnical analysis of how AI systems embed values, reshape power, and interact with democratic institutions, markets, and fundamental rights.

Topics Financial Regulation AI Liability Digital Policy Algorithmic Accountability Data Governance Platform Law International Frameworks Criminal Law Consumer Protection Cybersecurity Policy Human Rights & AI AI Ethics Market Integrity Digital Trade

Publication Series — Active

AI, Law & Society Series

A peer-reviewed publication series examining the legal, regulatory, and societal dimensions of artificial intelligence. The inaugural series of RegAI.cloud — focused on original scholarship at the intersection of AI, financial law, governance, and digital policy.

Vol. I · 2026

AI, Law & Society Series

Published Articles

Full archive ↗
01
Criminal Liability Financial Markets January 2026

Algorithmic "Intent" and Criminal Liability in Financial Markets: From Mens Rea to Strict Liability in the Age of Autonomous Trading

Traditional financial crimes — market manipulation, spoofing, fraud — require proof of a guilty mind. When a reinforcement-learning trading agent autonomously discovers that deception is statistically profitable, no human may have intended to break the law. This article examines the structural collapse of intent-based liability doctrine in algorithmic financial markets, analyzes United States v. Coscia as the high-water mark of the design-intent proxy, and proposes a new doctrine of Algorithmic Negligence alongside a strict liability framework for aggravated cases, modeled on product liability principles.

doi.org/10.5281/zenodo.19320216 Read Article
02
Regulatory Policy AML · FinCrime January 2026

Algorithmic Accountability and Administrative Justice: Balancing Black Box with Explainability in Anti-Money Laundering Frameworks

The integration of AI into Anti-Money Laundering compliance has dramatically improved detection capability while introducing profound challenges for administrative justice. This article examines the tension between black-box model opacity and the procedural requirements of financial oversight. Drawing on comparative analysis of US, Canadian, EU, and UK regulatory developments, it proposes a governance standard for Explainable AI that bridges technical efficiency with the requirements of transparency, human accountability, and the right to challenge automated decisions.

doi.org/10.5281/zenodo.19305651 Read Article
03
International Governance Digital Policy January 2026

The "AI Haven" and International Regulatory Arbitrage: Toward a Basel Accord for Algorithmic Financial Stability

The mobility of code is to the algorithmic era what the mobility of capital was to the pre-Basel crisis — a mechanism through which regulatory arbitrage concentrates systemic risk beyond the reach of any competent supervisory authority. This article maps the emerging landscape of AI Havens, develops the systemic risk thesis through three transmission channels, and proposes a four-pillar Algorithmic Stability Accord modeled on the Basel architecture, arguing that voluntary G7 codes of conduct are structurally insufficient to prevent the race to the bottom in AI financial regulation.

DOI registration pending

AI, Law & Society Series

Forthcoming

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The Right to Explanation and Automated Credit Denial: Comparative Perspectives in Consumer Financial Regulation

In preparation · 2026

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Surveillance by Proxy: AML Obligations, Correspondent Banking, and the Delegation of State Power to Private AI

In preparation · 2026

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Digital Personhood and Contractual Capacity: Can an AI System Be a Party to a Financial Contract?

In preparation · 2026

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Platform Liability and Algorithmic Amplification: Toward a Unified Policy Framework for AI-Driven Harms

In preparation · 2026

Call for Papers

AI, Law & Society Series — Open Submissions

RegAI.cloud invites original submissions for the AI, Law & Society Series. We welcome research articles, policy analyses, comparative studies, and research notes that engage rigorously with the legal, regulatory, or governance dimensions of artificial intelligence. Work may be doctrinal, empirical, comparative, or interdisciplinary — we are interested in precision and argument, not a single methodology.

Submissions should be original and unpublished. All accepted work is published open access with permanent DOI registration at no charge to authors.

  • AI liability & criminal law
  • Financial regulation & market oversight
  • Algorithmic accountability
  • Digital policy & platform governance
  • International AI frameworks
  • Data governance & privacy
  • Consumer protection in AI systems
  • Cybersecurity policy & law
  • Human rights & automated decisions
  • AI ethics & institutional design
Submit a Manuscript