{"ok":true,"timestamp":"2026-04-28T23:20:49.780589+00:00","matrix":{"name":"Public Legal and Regulatory Matrix","updated_at":"2026-04-28T23:20:49.780606+00:00","disclaimer":"Educational public summary only; not legal advice. For filing decisions, use licensed counsel and official sources.","jurisdictions":[{"id":"united_states_federal_banking","focus":"Unauthorized transfers, card disputes, deceptive billing","references":[{"name":"EFTA / Regulation E","citation":"15 U.S.C. 1693 et seq.; 12 C.F.R. Part 1005"},{"name":"FCBA / Regulation Z","citation":"15 U.S.C. 1666; 12 C.F.R. 1026.13"},{"name":"FTC Act Section 5","citation":"15 U.S.C. 45"},{"name":"ROSCA","citation":"15 U.S.C. 8401-8405"}]},{"id":"florida_consumer_and_computer","focus":"Consumer protection, billing disputes, unauthorized system disruption","references":[{"name":"FDUTPA","citation":"Fla. Stat. 501.201-501.213"},{"name":"Florida Computer Crimes Act","citation":"Fla. Stat. Ch. 815"},{"name":"Florida CADRA","citation":"Fla. Stat. 668.801 et seq."}]},{"id":"california_ai_and_recurring_billing","focus":"AI transparency and subscription/auto-renew controls","references":[{"name":"AB 2013","citation":"California Generative AI training-data disclosure law"},{"name":"SB 942","citation":"California AI transparency/disclosure framework"},{"name":"Automatic Renewal Law","citation":"Cal. Bus. & Prof. Code 17600-17606"}]},{"id":"international_ai_and_data","focus":"Cross-border AI/data obligations","references":[{"name":"EU AI Act","citation":"Regulation (EU) 2024/1689 (phased obligations)"},{"name":"GDPR","citation":"Regulation (EU) 2016/679"}]}],"incident_documentation_protocol":["Maintain a timestamped chronology of outages, migration failures, and billing events.","Preserve merchant descriptors, transaction IDs, invoices, and cancellation attempts.","Separate verified facts, unresolved allegations, and legal hypotheses.","Publish only redacted/public-safe records on Tower 1 surfaces."],"public_routes":{"status":"/api/public/current-status","search_discovery":"/api/public/search-discovery","legal_pathways":"/api/public/legal-pathways","accountability":"/api/public/accountability","disclosure_hub":"/api/public/disclosure-hub"}}}