Agentic Regulatory Management Purpose-built for the US Market

In the United States, the regulatory environment spans multiple federal and state agencies, including the Securities and Exchange Commission (SEC), Office of the Comptroller of the Currency (OCC), Federal Reserve, Federal Deposit Insurance Corporation (FDIC), and state-level regulators. These agencies oversee critical decisions such as new bank charters, broker-dealer registrations, investment company approvals, mergers and acquisitions, and director or senior management appointments in supervised institutions.

Managing these varied and high-stakes cases requires a system that can accommodate different regulatory mandates while ensuring consistency and compliance. The NewgenONE Agentic Regulatory Management System (RMS) delivers an intelligent, end-to-end framework for managing all aspects of the regulatory process. From intake and validation of applications to final decision issuance, the platform brings together all steps in a single, policy-compliant environment that can handle the scale and diversity of the US regulatory landscape.

By embedding the specific statutory and procedural requirements of each agency directly into workflows, RMS ensures cases progress in a compliant, structured, and efficient manner, regardless of the jurisdiction. Whether evaluating a bank holding company’s expansion plan or assessing an investment adviser’s registration, the system supports the process from start to finish with speed and precision.

Strengthen Decision Accuracy with Context-aware, Policy-aligned Decisions

In US regulatory work, accuracy and policy alignment are non-negotiable. Decisions must be grounded in relevant laws, regulations, and precedents, and they must be defensible before courts, oversight committees, or public inquiries.

RMS strengthens decision accuracy by presenting reviewers with all relevant policy clauses, past case outcomes, and contextual information in a unified view. This ensures that, when an OCC examiner reviews a bank merger application or an SEC officer assesses a new securities product, the decision is informed by both the applicable statutes and historical precedent.

The system’s context-aware intelligence also helps maintain consistency across similar cases, even when handled by different teams or over extended timeframes. For example, if two credit unions apply for community charter conversions, RMS can highlight past approvals or denials with comparable parameters, ensuring the new rulings follow established regulatory logic.

Accelerate Case Resolution with Unified Case Management and Faster Rulings

Regulatory timelines in the US are often closely watched by applicants, industry stakeholders, and the public. Delays in issuing a bank charter or approving a financial services licence can impact markets, competitive positioning, and public confidence.

RMS consolidates all aspects of a case, applications, supporting documentation, interdepartmental communications, and decision notes, into a single case management environment. This enables parallel processing of reviews, quicker escalation of issues, and faster routing of tasks to the appropriate decision-makers.

For instance, when the SEC reviews a request for exemptive relief under the Investment Company Act, the process often involves multiple legal, compliance, and market oversight teams. With RMS, all these parties can collaborate on the same case record, reducing redundant requests for information and compressing the time from submission to ruling.

Enable Seamless Oversight with Audit-ready, Efficient Regulation

In the US, regulatory agencies must maintain complete records of their decisions, both for internal governance and for external accountability to Congress, the judiciary, and the public.

RMS ensures every action taken on a case is logged, time-stamped, and linked to the relevant policy or rule. This audit-ready framework means that if a decision is challenged. for example, a denied bank merger application, the agency can quickly produce the full case history, including all evidence reviewed, internal deliberations, and the final reasoning behind the decision.

By standardizing how oversight activities are documented, RMS improves efficiency without sacrificing rigor. It also facilitates smoother transitions during staff changes, as incoming personnel can immediately see the complete documented background of any active case.

Unlock Institutional Knowledge with an AI-powered Searchable Knowledge Hub

Over time, US regulators accumulate an extensive body of institutional knowledge in the form of past rulings, guidance interpretations, and case handling strategies. However, without a centralized, searchable repository, this knowledge can become fragmented and inaccessible.

RMS addresses this by maintaining an AI-powered knowledge hub where all historical cases, policy interpretations, and precedent decisions are indexed and retrievable. For example, suppose the FDIC is evaluating a novel fintech partnership proposal from a community bank. In that case, reviewers can search the hub for similar arrangements reviewed in the past, along with their outcomes and any conditions imposed.

This not only accelerates decision-making but also ensures continuity in regulatory reasoning, even when dealing with emerging business models that do not fit neatly into existing frameworks.

Build Trust Through Transparency with Hyper-personalized, Traceable Communication

Regulatory credibility in the US depends heavily on transparency. Applicants expect clear communication on their case status, the requirements they must meet, and the reasoning behind final decisions.

RMS includes capabilities to deliver personalized updates to each applicant, reflecting the specific type and stage of their case. All communications, whether requests for information, procedural updates, or final decisions, are stored in the case record, creating a complete, traceable communication history.

For example, during an OCC review of a new bank charter, the applicant can be informed exactly which documentation is outstanding, when the next review milestone will occur, and what criteria are being evaluated. This proactive, transparent approach helps reduce applicant frustration and supports public trust in the fairness and efficiency of the regulatory process.

How US regulators can go Agentic with NewgenONE Agentic Regulatory Management

US regulators operate in one of the most complex oversight environments in the world, managing a vast range of case types under close public and institutional scrutiny. The NewgenONE Agentic RMS equips these agencies with the tools to manage this complexity effectively.

By integrating end-to-end case management, context-aware decision support, unified oversight, knowledge preservation, and transparent communication, RMS enhances both operational efficiency and regulatory credibility. It enables US regulators to make faster, more accurate, and more transparent decisions, helping them meet their mandate to safeguard markets, protect consumers, and ensure a resilient financial system.