360factors, Inc., a leading provider of AI-powered risk and compliance technology, has announced the launch of Ask Kaia, a standalone, browser-based Agentic AI compliance companion designed specifically for U.S. banks, credit unions, and financial institutions. Trained exclusively on U.S. banking and financial regulations, Ask Kaia delivers instant, secure, and context-aware responses to complex regulatory questions—without requiring software installation or integration with existing systems.

As regulatory requirements continue to expand across federal and state jurisdictions, financial institutions face growing challenges in interpreting and responding to evolving compliance obligations. Ask Kaia is built to help compliance and risk teams navigate this increasingly complex environment with greater speed, accuracy, and confidence.

“We built Ask Kaia to deliver what traditional compliance tools and generic AI platforms can’t offer: real-time regulatory clarity that’s purpose-built for the U.S. financial sector,” said Carl McCauley, CEO of 360factors. “Kaia is trained exclusively on authoritative regulatory content from agencies such as the FDIC, OCC, CFPB, NCUA, and eCFR. For community banks, credit unions, and compliance teams under pressure, Ask Kaia fills a critical intelligence gap without adding operational overhead.”

Unlike general-purpose AI tools, Ask Kaia focuses solely on trusted, up-to-date regulatory data. Users can leverage the platform to interpret and summarize financial regulations, explain rule changes and their institutional impact, identify compliance gaps, evaluate internal policies against regulatory standards, and draft or update policy documents. The platform also provides citations and source references to authoritative regulatory content and can review marketing materials to ensure compliance with applicable disclosure requirements.

Delivered through a secure, browser-based interface, Ask Kaia is immediately accessible and requires no new infrastructure. It supports document-based Q&A, enabling users to upload internal policies, procedures, or reports and receive AI-generated analysis within seconds. All interactions take place in a private, secure environment, with internal documents remaining isolated and not shared across institutions or with third-party large language model vendors.

With Ask Kaia, 360factors aims to redefine how financial institutions access regulatory intelligence—bringing expert-level compliance support directly to teams that need fast, reliable answers in an increasingly complex regulatory landscape.