The AI feature is now your earnings call.

Tokto gives the bank CEO one record that ties every AI capability, every disclosure, and every model output to a date, a policy, and a person, ready for the analyst question, the regulator letter, and the proxy.

What you get with Tokto

• A single attributable trail across consumer disputes, model summaries, and disclosed AI capabilities, tied to a record and a date.
• A record formatted for the CFPB, SEC, OCC, FRB, FCA, the bureau examiner, and the D&O carrier on the same evidence.
• Policy applied at the prompt: no model-generated dispute outcome without review, no AI marketing claim outside the formal disclosure.
• Defensibility under FCRA enforcement, SEC class action, prudential examination, and 10-K disclosure scrutiny.

How it works

Tokto sits between the bank's AI systems and its filings, with a CEO view that connects board, investor, and regulator narratives back to one record. Every disclosed AI feature, from chatbot to wealth dashboard, is captured at the moment of output. The record carries the policy, the model version, the reviewer, and the disclosure language active that day.

When the SEC, the CFPB, or the prudential regulator asks how the AI feature you described in the 10-K behaved last quarter, the answer is one query. The CEO answers the analyst, the regulator, and the board out of the same trail.

What goes wrong without it

• An AI feature ships with marketing copy that does not match the 10-K. The disclosure becomes a securities class action exhibit.
• A model produces consumer-facing dispute outcomes without recorded review. The CFPB consent order template lands on the institution.
• Bureau-grade data flows into a third-party model with no consent record. The carrier reprices D&O at renewal.
• Persistent AI errors in customer-facing summaries with no correction log. The board reads about it in the proxy.