Top Trends in Compliance AI Usage

Executive Summary

Between April 1 and June 30, 2026, compliance professionals at U.S. financial institutions submitted 4,757 substantive questions to Ask Kaia, 360factors’ AI-powered compliance platform. While each question addressed a specific regulatory or operational issue, together they reveal something broader: where compliance teams encounter the greatest friction in their day-to-day work.

The findings show that compliance professionals are not using AI as a substitute for regulatory research. Instead, they are increasingly relying on it to interpret complex scenarios, review institution-specific documents, assess marketing materials, draft operational guidance, and apply regulatory requirements to real-world decisions. This shift suggests that the greatest value of AI lies not in replacing compliance expertise, but in accelerating the work that surrounds regulatory judgment.

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