# Zovos AI

> Agentic compliance infrastructure for financial institutions of every size.

Zovos AI builds agentic compliance infrastructure for regulated financial
institutions, from community banks to large enterprises: a living compliance library, continuous control testing with
paragraph-level citations, and AI agents that keep frameworks, policies, risk and
exams current. Facts below are grounded in shipped behaviour — no pricing tiers
or certification claims are published.

## Product
- [Home](https://zovos.ai/): What Zovos is, who it is for, and how it works.
- [Platform](https://zovos.ai/platform.html): The Zovos compliance platform overview.
- [Solutions](https://zovos.ai/solutions.html): Every solution, by scenario and by role.
- [Integrations](https://zovos.ai/integrations.html): 54 connectors across the systems evidence lives in.
- [Pricing](https://zovos.ai/pricing.html): How Zovos is priced (contact for a quote).
- [Security](https://zovos.ai/security.html): Security posture and data handling.

## Solutions
- [Regulatory change, mapped before the news cycle ends.](https://zovos.ai/solution-rcm.html): Watch the federal banking regulators and your charter state. Get a proposed mapping for every paragraph that moves, before Monday.
- [Walk into the exam with the answer already written.](https://zovos.ai/solution-exam.html): Answer the supervisory letter the same morning it lands. Every control, policy, and issue comes cited and signed.
- [Evidence collection that runs all year instead of the week before.](https://zovos.ai/solution-audit.html): Continuous evidence with paragraph-level citations, owner attestations, and an exportable packet for every framework you have to answer to.
- [Continuous third-party governance over your vendors' changes and your own.](https://zovos.ai/solution-vendor.html): Onboard vendors fast, re-attest them on a real cadence, and surface concentration risk before your examiner does.
- [Policies that change when the rule does.](https://zovos.ai/solution-policy.html): Draft, redline, and version policies and procedures against the rule they answer to, with tracked changes, redline export, and e-signed approval in one place.
- [From examiner finding to closed remediation, on one timeline.](https://zovos.ai/solution-findings.html): Every gap, exam finding, failed test, and self-identified issue lands in one governed queue with its citation, owner, SLA, and the evidence it needs to close.
- [Map a control once and reuse it across every framework.](https://zovos.ai/solution-control-mapping.html): One control library is crosswalked across 54 frameworks, with 754 indexed citations tracing each rule to the control that satisfies it.
- [See the gaps before the examiner does.](https://zovos.ai/solution-exam-room.html): Load the first-day letter, watch it segment into requests, map each one to evidence you already hold, and work every request in the examiner room against its SLA.
- [Internal audit on the same graph, behind its own wall.](https://zovos.ai/solution-internal-audit.html): The audit universe, annual plan, engagements, and workpapers sit on the same graph as the controls being audited, and the auditee never sees past the independence wall.
- [A failed test becomes a finding, not a spreadsheet row.](https://zovos.ai/solution-monitoring.html): Sample by risk, record results in a sample-by-step matrix, capture exceptions with root cause, and let a governed sign-off promote a failed test straight into a finding.
- [Validator independence, enforced rather than asserted.](https://zovos.ai/solution-model-risk.html): An SR 26-2 shaped model inventory derives each model’s tier, schedules validation from it, and requires a validator distinct from the developer at sign-off.
- [An AML/CFT program you can evidence, pillar by pillar.](https://zovos.ai/solution-aml.html): Run the BSA/AML risk assessment, OFAC coverage, oversight metrics from your monitoring stack, and the board report from one program view that is ready for the exam.
- [Your assistant runs the test. Your reviewer decides.](https://zovos.ai/solution-ai-assistant.html): Connect the AI assistant your team already uses to Zovos over MCP. It works under each person’s own role, runs control tests against your systems with your credentials, and submits the evidence for a different person to accept.

## Solutions by role
- [Solutions for compliance officers](https://zovos.ai/role-compliance.html): How compliance officers at financial institutions work in Zovos, with their sidebar groups, features, approvals and scenarios.
- [Solutions for fair lending and CRA officers](https://zovos.ai/role-fair-lending-cra.html): How fair lending and CRA officers at financial institutions work in Zovos, with their sidebar group, features, approvals and scenarios.
- [Solutions for AML/CFT and fraud teams](https://zovos.ai/role-aml-cft-fraud.html): How AML/CFT officers and fraud teams at financial institutions work in Zovos, with their sidebar groups, approvals and scenarios.
- [Solutions for enterprise and operational risk](https://zovos.ai/role-risk.html): How chief risk officers and risk managers at financial institutions work in Zovos, with their sidebar groups, approvals and scenarios.
- [Solutions for third-party risk managers](https://zovos.ai/role-third-party-risk.html): How vendor and third-party risk managers at financial institutions work in Zovos, with their sidebar group, approvals and scenarios.
- [Solutions for cybersecurity](https://zovos.ai/role-information-security.html): How information security officers at financial institutions work in Zovos, with their sidebar group, features, approvals and scenarios.
- [Solutions for model and AI governance](https://zovos.ai/role-model-ai-governance.html): How model risk and AI governance owners at financial institutions work in Zovos, with their sidebar group, approvals and scenarios.
- [Solutions for internal auditors](https://zovos.ai/role-internal-audit.html): How chief audit executives and internal auditors at financial institutions work in Zovos, with their sidebar groups and approvals.
- [Solutions for credit risk review](https://zovos.ai/role-loan-review.html): How loan review officers at financial institutions work in Zovos, with their sidebar group, features, approvals and scenarios.
- [Solutions for boards and supervisory committees](https://zovos.ai/role-board.html): How directors and supervisory committee members at financial institutions use Zovos, with the Board portal, approvals and scenarios.
- [Solutions for executive management](https://zovos.ai/role-executive.html): How chief executives and senior managers at financial institutions use Zovos, with their sidebar groups, approvals and scenarios.
- [Solutions for business-line owners](https://zovos.ai/role-business-line.html): How first-line business owners at financial institutions use Zovos for their own tasks, attestations, vendors and self-assessments.

## Platform features
- [Findings & issue management](https://zovos.ai/platform-findings.html): One queue holds every gap, drift signal, exam finding, and self-identified issue. Each carries its citation, owner, SLA, and the evidence needed to close it.
- [AI agents](https://zovos.ai/platform-ai-agents.html): A closed set of specialized agents watches regulators and drafts, maps, indexes, and reviews. Each output is cited, logged, and confirmed by a person.
- [Board reporting](https://zovos.ai/platform-board-reporting.html): In a committee-scoped board portal, every board-pack claim traces to its source. A decision register, advisory log, and obligations calendar sit beside it.
- [Enterprise risk management](https://zovos.ai/platform-risk-management.html): Run enterprise risk on one taxonomy, from the register, RCSAs and KRIs to appetite and loss events, with expiring exceptions and emerging-risk scanning.
- [Third-party risk management](https://zovos.ai/platform-third-party-risk.html): Tier, question, and monitor vendors against your controls, with SOC 2 reviews, contract SLAs, continuous ratings, concentration, and BaaS partner oversight.
- [Cybersecurity](https://zovos.ai/platform-cybersecurity.html): See security framework coverage, findings, and control tests on one landing, and oversee continuity plans, business impact analyses, and exercises.
- [Information security program](https://zovos.ai/platform-information-security-program.html): Generate the annual information security program report to the board, and record each security incident with its notification deadlines and evidence.
- [Model & AI governance](https://zovos.ai/platform-model-ai-governance.html): Model risk and AI systems are the two screens: an MRM inventory with derived tiers and SR 26-2 lineage, independent validation sign-off, and an AI registry.
- [Credit risk review](https://zovos.ai/platform-credit-risk-review.html): Lock a dated loan universe, sample it into credit reviews with an independent reviewer, and track review exceptions to resolution or to a finding.
- [Regulatory change management](https://zovos.ai/platform-regulatory-change.html): Watch the Federal Register, OCC, FDIC, the Fed, NCUA, CFPB, FinCEN and Treasury. Zovos proposes a library mapping for each moved paragraph with its citation.
- [Frameworks & crosswalks](https://zovos.ai/platform-frameworks.html): Fifty-four prudential and consumer frameworks, federal and state, are mapped once and reused everywhere, with 754 indexed citations and a live coverage graph.
- [Controls & continuous coverage](https://zovos.ai/platform-controls.html): One control library shows live per-framework coverage and evidence-backed attestations. Five starter baselines include NIST 800-53, CIS v8, and FFIEC IT.
- [Policies & drafting](https://zovos.ai/platform-policies.html): Write cited policies together in real time on Tiptap/Yjs, get AI-drafted redlines when the rule moves, and sync policies to controls. 14 templates ship.
- [Consumer compliance](https://zovos.ai/platform-consumer-compliance.html): Run the CFPB compliance management system continuously: complaints, HMDA, CRA, fair-lending screening, a computed CMS scorecard, disclosures, and ad review.
- [Exam & supervisory management](https://zovos.ai/platform-exam-management.html): Split the first-day letter into requests mapped to evidence you hold. Then run a mock exam, manage the examiner room, and track supervisory actions to close.
- [AML/CFT program](https://zovos.ai/platform-bsa-aml.html): Run AML/CFT on the five pillars, with a risk assessment that flags material change, AML KPIs from your monitoring stack, and OFAC and NYDFS-504 alignment.
- [Monitoring & testing](https://zovos.ai/platform-monitoring-testing.html): Sample by risk and record results in a sample-by-step matrix. At governed sign-off, a failed test becomes a Finding with its citation attached.
- [Integrations & connectors](https://zovos.ai/platform-integrations.html): Connect the systems you already pay for through 54 connectors across 18 categories, a REST automation API with signed webhooks, and SIEM audit-log export.
- [AI assistants over MCP and ZEP control testing](https://zovos.ai/platform-ai-assistants.html): Connect Claude, ChatGPT, Copilot or Cursor to Zovos over MCP under your own role, and test controls with your own assistant through the Zovos Evidence Protocol.
- [Internal audit](https://zovos.ai/platform-internal-audit.html): Run third-line internal audit behind a real independence wall. The universe, annual plan, engagements, and workpapers share a graph with the controls audited.

## Documentation
- [Docs hub](https://zovos.ai/docs.html): Every customer-docs article, by section.
- [Onboarding your institution](https://zovos.ai/docs-onboarding.html): How a signed agreement becomes a working workspace. This covers what we provision, what you supply, and the order the owner should work in on day one.
- [Getting started with Zovos](https://zovos.ai/docs-getting-started.html): Your first sign-in, how the workspace is laid out, where the daily work starts, and where to get help.
- [Roles & permissions](https://zovos.ai/docs-roles-permissions.html): The six roles that ship with Zovos, access groups and scope, the job families beside them, and the separation-of-duties rules behind them.
- [Set up your team & SSO](https://zovos.ai/docs-team-setup.html): How to invite teammates, assign roles and job families, connect single sign-on, and run access reviews as a Zovos owner.
- [Glossary](https://zovos.ai/docs-glossary.html): Plain-English definitions of the compliance and platform vocabulary used across Zovos.
- [Dashboard & daily triage](https://zovos.ai/docs-dashboard-triage.html): How the Dashboard ranks what needs you today, what each panel means, and how to work the queue.
- [Findings & remediation](https://zovos.ai/docs-findings.html): How the Findings tracker works: sources, severity, corrective action plans, and closure under independent sign-off.
- [Tasks & action plans](https://zovos.ai/docs-tasks-action-plans.html): How assigned, dated work is tracked outside the findings register, and how a regulatory change becomes a plan.
- [Approvals & delegation of authority](https://zovos.ai/docs-approvals.html): How governed decisions route to the right signer, what the approvals drawer asks for, and how the authority matrix is set.
- [Audit trail & exports](https://zovos.ai/docs-audit-trail.html): The append-only record of every action in your workspace, how to verify its integrity, and the exports an examiner asks for.
- [Frameworks & regulatory updates](https://zovos.ai/docs-frameworks.html): Enroll the regulations you are examined against, track incoming rule changes, and read your coverage.
- [Policies & document management](https://zovos.ai/docs-policies.html): The policy lifecycle from draft to attestation, plus document import, redlining, and records review.
- [Controls, testing & evidence](https://zovos.ai/docs-controls.html): Control objectives and the catalogue, how tests and evidence work, external test review, and design versus operating effectiveness.
- [Monitoring & absence testing](https://zovos.ai/docs-monitoring.html): The second-line testing workflow from sample to signed workpaper, and how negative assurance is evidenced.
- [Risk management](https://zovos.ai/docs-risk-management.html): How the risk register, exceptions, RCSAs, KRIs, appetite, scenarios, loss events, emerging risks and the decision register fit together.
- [Third-party risk & partner programs](https://zovos.ai/docs-third-party-risk.html): Vendor tiering, risk assessment, due diligence, SOC 2 review, remediation, contracts, concentration risk and oversight of fintech partner programs.
- [Exam management & audit readiness](https://zovos.ai/docs-exam-management.html): Run an examination end to end: engagements, the exam interval, the first-day letter, evidence, the binder, examiner access, close-out and mock exams.
- [Supervisory actions & the advisory log](https://zovos.ai/docs-supervisory-actions.html): Track a consent order, formal agreement or MRA set article by article, and keep the log of positions compliance took.
- [Consumer compliance](https://zovos.ai/docs-consumer-compliance.html): The CMS scorecard, complaint oversight, HMDA data integrity, the CRA program register, disclosure inventory and marketing reviews.
- [AML/CFT program & training oversight](https://zovos.ai/docs-bsa-program.html): The five-pillar AML/CFT program view, fraud losses and the fraud case log, and the training register that evidences the training pillar.
- [Model & AI governance](https://zovos.ai/docs-model-ai-governance.html): Model risk, with the model inventory and the model governance pack, and the AI systems registry, plus how Zovos governs its own AI.
- [Credit risk review](https://zovos.ai/docs-credit-risk-review.html): Lock a dated loan universe, sample it into a credit review, keep each reviewer independent of the credit, and track review exceptions.
- [Internal audit](https://zovos.ai/docs-internal-audit.html): The audit universe, the risk-based annual plan, engagements and workpapers, issued reports, reliance and the QAIP.
- [Board & governance](https://zovos.ai/docs-board-governance.html): The board portal, committee meetings and minutes, the challenge record, sealed board packs, decisions and delegated authority.
- [Cybersecurity & security incidents](https://zovos.ai/docs-cybersecurity.html): The Cybersecurity page, the annual information security program report to the board, and the security incident register with its notice deadlines.
- [Business continuity](https://zovos.ai/docs-business-continuity.html): Oversight of continuity plans, business impact analyses, exercises, and the coverage grade across your critical processes.
- [How AI works in Zovos](https://zovos.ai/docs-ai-in-zovos.html): What the agents do, what they are allowed to cite, and why every AI output waits for a named human decision.
- [Connecting integrations](https://zovos.ai/docs-integrations.html): How an administrator connects the systems your evidence already lives in, what flows in and out, and what an examiner sees.
- [Connect your AI assistant](https://zovos.ai/docs-connect-ai-assistant.html): Connect Claude, ChatGPT, Cursor, or Copilot to your Zovos workspace over the MCP connector: sign-in, per-client setup, what it can do, and how to revoke it.
- [Test controls with your own AI assistant](https://zovos.ai/docs-ai-control-testing.html): Use Claude, Copilot, Cursor, or ChatGPT to run a Zovos control test on your own system, then submit the result and evidence for human review.
- [ZEP skill packs for AI control tests](https://zovos.ai/docs-ai-control-testing-skills.html): Download Zovos Evidence Protocol skill packs for 17 control families as SKILL.md, Copilot instructions, and Cursor rules, then load them in your assistant.
- [Security overview](https://zovos.ai/docs-security-overview.html): How Zovos protects your tenant, what your vendor-risk reviewer will ask about, and what we do not claim yet.
- [Your data: exports, backups & retention](https://zovos.ai/docs-data-handling.html): How to get your records out of Zovos, what backups exist, how retention and deletion work, and who else touches the data.
- [FAQ & troubleshooting](https://zovos.ai/docs-faq.html): Answers to the questions compliance teams ask most: sign-in, browsers, missing screens, exports, AI behavior, and support.
- [What's new](https://zovos.ai/docs-whats-new.html): Customer-visible changes to the Zovos platform, newest first, written in plain English.

## Regulatory Radar
- [Radar hub](https://zovos.ai/radar.html): Every Regulatory Radar story, newest first.
- [The Fed hikes unanimously for the first time since 2023](https://zovos.ai/radar-september-fomc-hike.html): On September 16 the FOMC raised the federal funds target range a quarter point to 3.75–4% on a 12–0 vote, and the median projection pencils in one more increase before year-end. The cut-or-hold debate of the summer ended in the other direction.
- [The 2023 third-party guidance is headed for replacement](https://zovos.ai/radar-tprm-rewrite.html): On September 11 the Fed, FDIC, OCC, and NCUA proposed risk-tailored third-party guidance that would replace the June 2023 interagency guidance. The three banking agencies also put core providers’ business practices on the supervisory scale.
- [“Unsafe or unsound” gets a definition, and MRAs get a materiality bar](https://zovos.ai/radar-mra-final-rule.html): The OCC and FDIC’s final rule, published September 1 and effective November 2, codifies “unsafe or unsound practice” around likely material financial harm and limits when examiners may issue MRAs. The FDIC has retired MRBAs and supervisory recommendations.
- [The 18-month exam cycle now reaches banks under $6 billion](https://zovos.ai/radar-exam-cycle-6b.html): An interagency interim final rule, effective September 14, raises the asset ceiling for the extended on-site exam cycle from $3 billion to $6 billion, as the 21st Century ROAD to Housing Act requires.
- [Headline CPI holds at 3.4% while the core falls to 2.4%](https://zovos.ai/radar-august-cpi.html): August’s CPI rose 0.4% on the month with gasoline accounting for over a third of the increase, while the core’s annual rate fell to its lowest since March 2021. Five days later, the Fed hiked anyway.
- [Payrolls rebound to 162K, and July is no longer negative](https://zovos.ai/radar-august-payrolls-rebound.html): August payrolls rose 162,000, and revisions turned July’s first-reported decline into a gain. Unemployment held at 4.1%. The stalled labor market in last month’s lead story did not survive the revisions.
- [Frontier AI crosses the “Critical” cyber line](https://zovos.ai/radar-astra-critical-cyber.html): OpenAI rated GPT-6 Astra “Critical” for cyber capability and released it broadly. It is the first OpenAI model to reach that level. Nineteen days later, Anthropic shipped Opus 5.5 with most cybersecurity tasks rerouted to an older model.
- [Payrolls turn negative, and the months behind them shrink](https://zovos.ai/radar-july-jobs-negative.html): July shed 23,000 jobs, the first monthly decline of the cycle, while revisions erased another 103,000 from May and June. The labor market has stopped absorbing workers, six weeks before the September FOMC.
- [The FDIC’s appeals office opens with wider grounds](https://zovos.ai/radar-fdic-appeals-office.html): The independent Office of Supervisory Appeals is operational as of August 4 and replaces the SARC. Appeal rights now extend to certain matters even when an enforcement action is proposed or pending.
- [Open banking heads back to the drawing board](https://zovos.ai/radar-data-rule-oira.html): A revised §1033 proposal reached OIRA in the first week of August while the October 2024 rule sits enjoined, its appeal stayed, and its compliance clock paused. The direction survives, but the deadlines do not.
- [The model-risk rewrite left GenAI ungoverned, and the RFI hasn’t come](https://zovos.ai/radar-model-risk-vacuum.html): April’s SR 26-2 superseded fifteen years of SR 11-7 and explicitly carved generative and agentic AI out of scope, promising an RFI “in the near future.” Four months on, it has not arrived, and the models keep shipping.
- [GDP slows to 1.5%, but private demand accelerated](https://zovos.ai/radar-q2-gdp-advance.html): The advance estimate’s headline hides the split that matters. Final sales to private domestic purchasers sped up to 3.9% while the energy quarter pushed the price indexes to their highest readings of the cycle.
- [Loan officers ease CRE standards for the first time this cycle](https://zovos.ai/radar-july-sloos.html): The Fed’s July survey shows C&I standards steady and demand firming from larger borrowers. It also shows the first net easing in commercial real estate lending standards of the cycle.
- [Two frontier releases in 24 days, and no rulebook yet](https://zovos.ai/radar-opus-5-cadence.html): Claude Opus 5 landed July 24, three and a half weeks after Sonnet 5. That release cadence is now structurally faster than the guidance meant to govern it.
- [Inflation snaps back to 3.5% as the energy shock unwinds](https://zovos.ai/radar-june-cpi-snapback.html): One month after crossing 4%, headline CPI posted its sharpest monthly drop in years while the core quietly made new progress. The supply shock is leaving the data faster than it arrived.
- [The Fed joins the AML/CFT program rewrite](https://zovos.ai/radar-fed-aml-nprm.html): The Board’s July 7 proposal would rebuild Regulation H’s AML program rule around risk and effectiveness, with FinCEN’s priorities wired into a documented risk assessment. Comments close September 8.
- [Exams go need-to-know on highly sensitive information](https://zovos.ai/radar-sensitive-info-exams.html): A July 16 joint statement lets banks flag their most sensitive materials for on-site or direct-access review instead of handing them over. It also commits the agencies to 72-hour notice if supervisory information is compromised.
- [A narrower CRA with new tiers, a lending-test focus and no Fed](https://zovos.ai/radar-cra-rewrite-nprm.html): The July 31 proposal would let banks up to $1B examine as small banks and reserve full large-bank exams for those over $10B. It refocuses evaluation on lending. The Federal Reserve did not join.
- [Payrolls cool to 57K as the labor force shrinks](https://zovos.ai/radar-june-payrolls.html): June payrolls came in at half the expected gain, with 74,000 in downward revisions behind them and participation at its lowest since 2021. The labor market is finally loosening from the supply side.
- [A 9–3 hold, with all three dissents for a hike](https://zovos.ai/radar-july-fomc-dissent.html): Six weeks after opening with unanimity, the Warsh committee split, and every dissent pointed in the same hawkish direction. The two-sided problem now has an edge.
- [Compliance AI mints a unicorn](https://zovos.ai/radar-norm-ai-series-c.html): Norm Ai raised $120M at a $1.2B valuation on July 7. The tools compliance teams buy are now frontier-AI vendors themselves, with everything that implies for your diligence.
- [The Warsh Fed opens with a hold and five words on inflation](https://zovos.ai/radar-warsh-first-hold.html): After April's four-way split, Kevin Warsh's first meeting produced a unanimous 12–0 hold and a sharply pared-back statement. One day later, the strait that started the inflation scare reopened.
- [CAMELS gets its first rewrite since 1996](https://zovos.ai/radar-camels-rewrite.html): The FFIEC proposal drops the Management component's 'special consideration,' strips reputation risk, and puts material financial risk first. Comments close August 17.
- [The 1071 rule lands at 1,000 loans, and the clock is already counting](https://zovos.ai/radar-small-biz-1071.html): The revised small-business lending rule raises the reporting threshold tenfold and sets one compliance date: January 1, 2028. Your 2026–27 origination counts decide whether you are covered.
- [An OCC consent order maps the BaaS failure pattern](https://zovos.ai/radar-cfsb-consent-order.html): Payments volume at Community Federal Savings Bank grew faster than its controls. Every fintech-partner bank should read the detail about the alert-triage system that auto-closed what it should have escalated.
- [Core PCE runs 3.4% as the saving rate touches 3.0%](https://zovos.ai/radar-may-pce.html): The Fed’s preferred gauge confirms the CPI story from the other side. It shows an energy-led headline, a firmer core than CPI shows, and a consumer saving less to keep spending.
- [Hormuz reopens and Brent sheds $22 in a month](https://zovos.ai/radar-hormuz-reopens.html): A June 18 U.S.–Iran memorandum ended the closure that drove the spring inflation spike. The unwind is in motion, and the EIA now sees pump prices falling through year-end.
- [Sonnet 5 ships near-frontier agents at commodity prices](https://zovos.ai/radar-sonnet-5.html): Anthropic’s June 30 release narrows the gap to its flagship at a fraction of the price. Falling model prices are exactly how models get swapped underneath your vendors.
- [Inflation crosses 4% on an energy shock, but the core stays quiet](https://zovos.ai/radar-inflation-4pct.html): A Strait of Hormuz disruption did what tariffs couldn't. It also handed the next Fed chair a two-sided problem.
- [Personal Financial Data Rights enters its first compliance tier](https://zovos.ai/radar-open-banking.html): The open-banking rule advances even amid ongoing litigation. Here's what tier one actually requires, and the clock you're now on.
- [Beneficial ownership stays narrowed to foreign entities](https://zovos.ai/radar-beneficial-ownership.html): The interim Corporate Transparency Act scope holds, and your CDD procedures need to say so before your next exam.
- [AI vendors land inside third-party risk scope](https://zovos.ai/radar-ai-vendor-risk.html): The model provider behind your new tool is a vendor you must risk-rate. Examiners are already treating it that way.
- [Fed holds at 3.50–3.75% amid a four-way dissent](https://zovos.ai/radar-fed-hold.html): Powell's final meeting laid bare a committee that no longer agrees on the path. It also handed his successor an open question.
- [Payrolls add 172K, beating expectations](https://zovos.ai/radar-payrolls.html): A firm labor market gives the Fed room to keep its focus squarely on prices, and it keeps the soft-landing case alive.
- [Anthropic closes financing above OpenAI and files to go public](https://zovos.ai/radar-anthropic.html): A reported $965B valuation and a confidential IPO filing show how fast frontier-AI capital is consolidating into a few hands.

## Company
- [Founder — Adam Swenson](https://zovos.ai/founder.html): The founder of Zovos AI.
- [Careers](https://zovos.ai/careers.html): Open roles at Zovos AI.
- [Contact](https://zovos.ai/contact.html): Get in touch.

## Optional
- [Full documentation text](https://zovos.ai/llms-full.txt): Every docs article as Markdown in one file.
- [Docs index](https://zovos.ai/docs/index.json): Machine-readable manifest of the docs articles.
- [Regulatory Radar feed](https://zovos.ai/radar.xml): Atom feed of every Radar story.