REGULATION IN.
EXAM READY OUT.
EVERY STEP CITED.
Tracfox runs your compliance program with auditable AI agents: stay ahead of regulatory change and its impact, keep controls and evidence current, and walk into every exam ready. Every step traces to a citation; every citation to a version of the law.
The whole trace, one system
Reading the regulation is the first stop, not the product. The pipeline runs to the exam and keeps running after it.
Regulation management
Federal CFR, all 50 states, FCA and PRA, parsed into atomic obligations with citation, applicability and effective date. Amendments arrive as diffs against the version you mapped.
Controls management
An obligation with no control is a gap, and it says so before an examiner does. A changed obligation flags every control it touches and queues the review.
Evidence validation
Evidence is collected on a schedule and validated against what the control actually requires: right document, right period, right signer. Stale or missing evidence becomes a task, not a finding.
Exam preparation
Every examiner request has one answer shape: citation → obligation → control → evidence. Scope the sections under review, export the chain, hand it over. First-day letters stop being a scramble.
Continuous compliance
Between exams, the system watches: amendments, effective dates, expiring evidence, unresolved gaps. Each lands in a work queue and rolls up into a live posture score. Not a vanity number: every point traces to the obligations behind it.
Two planes, one trace
A versioned regulatory corpus
Statutes, rules and amendments, parsed once and version-stamped. When the law changes, the change arrives as a diff against the version your controls were mapped to, not as a surprise.
Controls and evidence, per tenant
Obligations map many-to-many onto a functional control library. Controls collect evidence. When an examiner asks why a control exists, the answer is a citation, not a meeting.
New product. New state. Know the rules before you build.
With the corpus already parsed, scoping an expansion is a query, not a six-month research project. Describe the product and the jurisdiction: applicability conditions (charter, asset threshold, activity) filter to the obligations that would bind you, and what your controls don't already cover is the launch checklist, citations attached.
Agents do the work. You keep the sign-off.
Each stage of the pipeline is run by an agent. Every one of them drafts; none of them decides: output lands in a review queue with the citation that justifies it, and nothing enters your control library or an exam package without a named approver. Every action, agent or human, is logged.
Ask in plain language. Get answers with citations.
Ask what changed, where the gaps are, what an examiner will ask — then hand off the drafting. Answers come from the mapped corpus and your own policies and controls, never from memory: one question, every jurisdiction you operate in.
Every draft goes to your review queue, not into production. No black box: if it can't cite it, it says so instead of guessing.
Amendments in scope for your charter: 3. One takes effect this quarter; the obligations it amends, and the controls they touch, are queued for review.
Drafted, with the amended text attached. In your review queue; nothing applies until you approve.
Citations are load-bearing
Every obligation carries its section-level citation, applicability conditions and effective date. Remove any one and it doesn't ship.
Where it fails, it says so
Ambiguous applicability is flagged for a human, not guessed. Nothing enters the trace unreviewed.
Built for the people who get examined
Compliance officers, BSA officers, and internal audit at mid-market financial institutions.
Obligations scoped to your charter and examiner, without bank-only noise.
Asset-threshold aware: see which obligations trigger as you grow, before they do.
Activity-based scoping across the states you operate in and the partners you ride on.
State-by-state money transmission plus fast-moving federal text, versioned as it moves.
WALK THE TRACE ON YOUR OWN REGULATION
Bring a section you're examined against. Watch it decompose, map onto controls, and demand evidence. An evaluation is one regulation, run against your own control library: small, inspectable, yours to judge.