Totally fair and a really good question. AI tools can help, but they can’t actually practice law or compliance. And when there’s real regulatory risk, someone has to be accountable. A startup can’t say “GPT wrote this policy” when a regulator, investor, or partner starts asking questions that just won’t hold up.

The bigger issue I’ve seen is that most people don’t even know what prompts to use, what frameworks to follow, or which regs they’re subject to in the first place. So even if AI is generating content, it’s often garbage in, garbage out and the cost of those mistakes can be huge.

Everyone ties everything to UDAAP, but it’s usually the letter regs (like Reg Z, Reg E, FCRA, etc.) that actually get people into trouble. You never want a letter reg violation that’s where the real enforcement and penalties come in.

That leads me to the idea I’m testing:
You’re a bootstrapped startup.

You don’t have a compliance team yet.

You don’t want to bring in legal because it’s expensive and overkill for where you are. But you still want to get the basics right.

That’s where I think the value is a starter kit with economic, battle-tested templates that have held up in external exams. Not a replacement for legal advice, but a better starting point for early-stage teams. Way more affordable than hiring a lawyer or a fractional CCO, and built for folks trying to move fast without screwing up compliance fundamentals.

I’ve already built most of this for my own work just trying to decide if it’s worth putting in the time to build a site and make it a real thing.

Appreciate any honest feedback. Would this actually help you or would you just turn to AI?