Chase Terms Require AI Agents to Identify Themselves and Label Traffic

Chase’s published digital terms require AI agents that use its services to identify themselves and label their traffic, setting conditions for automated access to customers’ financial accounts.

Agents must also answer truthfully if asked whether they are agents. Chase reserves the right to limit, suspend or terminate their access. A separate digital services agreement says customers are responsible for activity and transactions by agents they authorize to use their account credentials.

The terms add detail to JPMorgan’s limits on outside agents’ direct account access. They spell out identification and traffic-labeling requirements alongside the agreement’s allocation of responsibility for agent activity.

At JPMorgan Chase’s Tuesday, Oct. 13, earnings call, Chairman and CEO Jamie Dimon said the bank would not let every outside agent into the company, citing risks to clients and JPMorgan. The call began at 8:30 a.m. ET (12:30 UTC). “You don’t want rogue agents, and there could be thousands of them,” Dimon said.

Meta introduced Muse on Sept. 8. Its finance feature uses information shared through Plaid, including account balances, transactions, investment holdings and mortgage details, to provide personalized guidance.