Users can start in AI, but can't stay there.
AI assistants are already having financial conversations at scale. But regulated credit journeys have nowhere to go once the user is inside an assistant. The experience breaks.AI assistants are already having financial conversations at scale. But regulated credit journeys — disclosure, consent, advice — have nowhere to go once the user is inside an assistant. Instead of completing the journey, users get redirected. The experience breaks.
ACBP is an open standard that changes this.
The Agentic Credit Broking Protocol (ACBP) is an open standard, developed by ClearScore, that changes this.
ACBP is an open standard that changes this.The ACBP lets AI assistants participate in regulated credit broking — meeting users where they’re already shopping, safely, accountably, and without removing the broker from the loop.
View the protocol on GitHub →Open standard · CC BY-SA 4.0
The problem
Without a protocol, AI-mediated credit journeys create risk for everyone.
No clear audit trail
Key parts of the journey happen inside private chat histories — invisible to broker, lender, and regulator.
No clear advice boundary
It's hard to tell when helpful guidance becomes regulated broking — and who is responsible when it does.
No clear responsibility
When something goes wrong in an AI conversation, it's unclear who is accountable: the AI provider, the broker, or the lender.
Consent cannot be inferred from chat
"That sounds good" is not the same as consent to apply. The protocol can tell the difference. Conversation cannot.
What changes
ACBP defines how the journey works when a user is inside an AI assistant.ACBP doesn't remove the broker from the journey. It defines how the journey works when a user is inside an AI assistant instead of a broker's own app or website.
The broker owns the surface
The broker controls the entire interaction.The user visits the broker's app or website. The broker controls the entire interaction.
Consent is captured on-page
The broker's UI handles all disclosures and consent moments.The broker's UI handles all disclosures and explicit consent moments.
The audit trail is first-party
Every step happens inside the broker's system.Every step happens inside the broker's system. Evidence is complete.
How it works
Every AI-mediated credit journey follows the same structured path. Regulated moments are explicit, blocking, and logged.
- User provides intent
- Gate: DisclosureREGULATED
- Plan prepared
- Gate: ConsentREGULATED
- Lender transfer
The AI drives the pace. The broker controls the gates. Nothing advances until each gate is explicitly resolved and recorded.
See the full journey explained step by step →Who it's for
View ACB Protocol- AI Providers offer a regulated credit journey inside your assistant, without building compliance infrastructure.
- Credit Brokers distribute through every AI channel without losing regulatory control.
- Lenders gain new distribution without changing your accountability model.
- Regulators gain structured, replayable audit trails for every journey.
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