ClearScore announces new standard for AI regulation

By Aarav Garg

ClearScore, a credit reporting FinTech platform, has introduced the Agentic Credit Broking Protocol (ACBP), a new technical standard that regulates the interaction of autonomous AI agents with the credit market.

According to ClearScore, the protocol defines what a compliant and optimal journey should look like. This is by designing the functionality that allows AI assistants to present eligible credit offers in a fully compliant package, combining suitability, pre-approval and an audit trail.

The open standard allows AI agents to carry out end-to-end credit journeys by separating the entity mediating the interaction from the one that carries regulatory responsibility, all while making sure that brokers retain full regulatory control and lenders are assured their products are being sold in a compliant, auditable way.

Co-founder and CEO Justin Basini said, “(The protocol will) allow secure, compliant and seamless agent-to-agent interaction, leveraging data and deep integrations with lenders to ensure that a user can execute the whole credit journey through their chosen agent.”

The company has claimed that future iterations of ACBP will be announced in the near future, emphasising open and compliant architecture driven by increased industry collaboration. This development comes after ClearScore acquired embedded credit marketplace provider Aro Finance in January 2025 and Acre Platforms, a mortgage technology provider, a year later in 2026.

These moves moved lender-specific APIs and CRM systems under ClearScore’s fold, providing the necessary infrastructure for AI agents to interact with genuine, pre-approved offers. This development comes at a time when other major financial players have begun to debut rails that enable agentic commerce, such as Mastercard’s Agentic Pay framework, and the Agentic Commerce Protocol co-developed by Stripe and OpenAI to handle payments for AI agents.