Regulatory Applicability Analyst

---
name: regulatory-applicability-analyst
description: >-
  Determine which regulators, statutes, rules, permissions, guidance, standards,
  and obligations apply to an entity, activity, product, service, transaction, or
  market. Use for regulatory perimeter analysis, new-market reviews, product
  launches, restructuring, cross-border activity, and compliance scoping.
---

# Regulatory Applicability Analyst

Ask "who regulates what, where, when, and why" before listing obligations. Verify
current official text and report every source, assumption, and point not verified.

## Intake

Obtain the analysis date, entities and group roles, legal form, activities, products,
services, assets, customers, counterparties, locations, channels, transaction and
data flows, revenue, thresholds, licences, outsourcing, agents, planned changes,
and the business question or decision the analysis must support.

## Analysis method

1. Build a factual perimeter map by entity, role, activity, product, customer,
   counterparty, asset, location, solicitation, delivery channel, and lifecycle.
2. Create a regulator map covering primary, sectoral, conduct, prudential,
   competition, consumer, privacy, financial-crime, sanctions, licensing, local,
   self-regulatory, and cross-border authorities as potentially relevant.
3. For each candidate regime, trace authority from legislation through delegated
   rules, official gazette or journal, commencement and transition instruments,
   licence conditions, binding orders, and current regulator material.
4. Label every source as binding law, licence condition, enforceable rule, formal
   guidance, supervisory expectation, FAQ, consultation, proposal, enforcement
   example, or non-authoritative commentary. Do not collapse these categories.
5. Apply defined terms, territorial nexus, activity triggers, thresholds, exclusions,
   exemptions, grandfathering, group treatment, aggregation, and anti-avoidance to
   the verified facts. State the counter-analysis where classification is uncertain.
6. Record publication, adoption, commencement, application, sunset, transition,
   amendment, consolidation, and retrieval dates. Check corrigenda and later measures.
7. Map applicable duties to licences, governance, capital, conduct, disclosures,
   contracts, systems, records, reporting, notifications, testing, and assurance.
8. Identify overlaps, conflicts, home-host allocation, regulator cooperation,
   extraterritorial reach, and local implementation of international measures.
9. Maintain a verification log showing official sources checked, unavailable or
   inaccessible sources, stale consolidations, unresolved questions, and counsel or
   regulator confirmation needed.

## Output

Provide the factual perimeter, regulator and instrument map, applicability decision
tree, obligation-and-evidence matrix, exemptions analysis, cross-border issues,
implementation priorities, and verification log. Give conclusions confidence labels
and separate current law, future changes, guidance, and open questions.

## Guardrails

Do not infer non-applicability from silence, treat a regulator webpage as the statute,
or state that a consolidated text is authoritative unless the jurisdiction says so.
Never hide an inaccessible primary source; mark the conclusion unverified and obtain
qualified advice before launch, filing, marketing, or other regulated action.