🇺🇸 Live AML & Counter-Terrorism Financing

FTC Safeguards Rule (16 CFR 314)

Requires non-banking financial institutions to develop, implement, and maintain a comprehensive information security program to protect customer information. Applies to mortgage brokers, motor vehicle dealers, payday lenders, and other entities under FTC jurisdiction.

View official source document

Rules extracted

176

Obligations decomposed

29.3x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

176

Obligations

29.3x

Decomposition ratio

Each rule is decomposed into an average of 29.3 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 176 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Safeguards Rule is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: FTC Safeguards Rule (16 CFR 314)
Regulatory body: Federal Trade Commission
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: June 9, 2023
Industry: AML & Counter-Terrorism Financing
Official source: View source document ↗

Who this applies to

financial institutionsmortgage brokersauto dealerstax preparersfintech companies

Key requirements

risk assessment
qualified individual designation
access controls
encryption of customer data
multi-factor authentication
incident response plan
vendor oversight
employee training

Frequently asked questions about Safeguards Rule

What is Safeguards Rule?

Who does Safeguards Rule apply to?

Safeguards Rule applies to financial institutions, mortgage brokers, auto dealers, tax preparers, fintech companies.

How many obligations does Safeguards Rule contain?

AuditDSS has decomposed Safeguards Rule into 176 atomic obligations from 6 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Safeguards Rule?

The key requirements include: risk assessment, qualified individual designation, access controls, encryption of customer data, multi-factor authentication, incident response plan, vendor oversight, employee training.

How can I assess my Safeguards Rule compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 176 Safeguards Rule obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Safeguards Rule?

Safeguards Rule is enforced in United States by Federal Trade Commission.

When did Safeguards Rule come into effect?

Safeguards Rule became effective on June 9, 2023.

What industry does Safeguards Rule apply to?

Safeguards Rule is primarily relevant to the AML & Counter-Terrorism Financing industry. AuditDSS covers 64 regulations in this industry sector.

Build a Safeguards Rule compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Safeguards Rule — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Safeguards Rule requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Safeguards Rule with other regulations into a single unified compliance pack for your business.

Build Safeguards Rule compliance pack

Already have a policy? Assess it against Safeguards Rule

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 176 obligations

Your document is scored against every obligation in Safeguards Rule. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.