الكاتب، الذي ي也是 Chief Financial Officer في Schroders، ي argues أن خضوع الذكاء الاصطناعي Agent ل规则 FCA الحالية قد ي priv millions of investors من مساعدة valuable. وقد أدى issue إلى تركيز Mills Review، which is an attempt ambitious من قبل UK Financial Conduct Authority and executive director Sheldon Mills، ل处理 AI في retail financial services.

Mills ي calls على FCA لتمكين foundations of agentic finance، which has potential to rewire industry interactions if work، serve consumers' best interests، and earn trust. However، ي caution الكاتب против rushing to regulate AI as equivalent to regulated activities، ملاحظة أن AI assistants are general-purpose tools used across many domains including legal advice and health.

Forcing AI tools to withdraw من regulated areas قد hurt consumers who rely on them for information عن investments، savings، credit، insurance، tax، and state benefits. الكاتب advocates jumping to Mills' longer-term recommendation أن FCA keep under review effectiveness of regulatory approach and consider more radical changes، while working with providers to establish guiding principles and trusted data sources reflecting UK markets.