The case · in eight parts

Why we built
Agent Audit.

The deadline. The mechanism. The packs. The catalogue. How it compares. What's at stake. Eight short chapters, laid out so a compliance officer, a CISO and an auditor can each find the part they need.

§ I. The deadline

The deadline moved. The requirement didn't.

2027Dec 2
Article 12 record-keeping applies.
€15M
Max fine
3%
Of turnover
6mo
Min retention

The deadline moved. The requirement didn't. Under the Digital Omnibus (Regulation (EU) 2026/1744, in force 27 July 2026), the high-risk obligations — including Article 12 record-keeping — now apply from 2 December 2027 for stand-alone Annex III systems. Evidence can't be created retrospectively, so the trail you'll need to show then has to start being captured now.

Article 12 of the EU AI Act is short. Three paragraphs. The operational implications are enormous, and most firms reading the text the first time underestimate the engineering work required to comply.

Datadog and Splunk capture HTTP-level activity. Drata and Vanta collect static control evidence. None of them produce runtime agent action records in the format the AI Office has signalled as adequate.

Meanwhile, Lloyd's cyber and Tech E&O underwriters increasingly require AI logging at renewal — and price the answer.

Regulation (EU) 2024/1689, Article 12 §1–3. Penalties: Article 99. Applicable to stand-alone high-risk (Annex III) AI systems from 2 December 2027; high-risk AI embedded in regulated products (Annex I) from 2 August 2028, per the Digital Omnibus (Reg. (EU) 2026/1744). UK firms in scope where their AI systems are placed on the EU market or their outputs are used in the EU.

RECEIPT · N lookup_customer prev: 0000…0000 body: 7c9d…2a1b ✓ signed RECEIPT · N+1 score_fraud prev: 7c9d…2a1b body: e8a2…9f3e ✓ signed RECEIPT · N+2 notify_reviewer prev: e8a2…9f3e body: a4f8…b3c9 ✓ signed 14:23:11Z 14:23:11Z 14:23:12Z RFC 3161 · NOTARISATION chain head signed on advance

SHA-256 chain · receipts · timestamping authority

§ II. The mechanism

Each action, fingerprinted and bound to the last.

A receipt proves an action occurred — tamper-evidently. Bound beside it is the authority snapshot: what the agent was allowed to do at that instant — in scope, delegated, in force, not revoked. Corrections, disputes, authority changes and revocations chain in verifiable order, so nothing can be silently dropped or slipped in after the fact.

// One receipt per agent action
{
  "event_id":     "evt_8f2a4b...",
  "agent_id":     "claims_triage_v3",
  "ts":           "2026-06-07T14:23:11Z",
  "action": {
    "type":        "tool_call",
    "name":        "lookup_customer",
    "params_hash": "sha256:a1b2..."
  },
  "resource": {
    "classification": ["PII", "financial"]
  },
  "redacted_input":  "lookup [REDACTED]",
  "redacted_output": "{age: 34, ...}",
  "prev_hash":       "sha256:7c9d4e...",
  "signature":       "30450221..."
}
# pip install agentaudits
import agentaudit
from agents import Agent

agentaudit.init(
    api_key="aa_live_...",
    agent_id="claims_triage_v3",
)
agentaudit.adapters.instrument_openai_agents()

# Your agent runs as normal —
# receipts flow automatically.
agent = Agent(name="claims_triage_v3", ...)
agent.run(customer_query)
# Query every action on a customer
curl -G https://www.agentaudit.co.uk/api/v1/receipts \
  -H "Authorization: Bearer aa_live_..." \
  --data-urlencode "agent_id=claims_triage_v3" \
  --data-urlencode "resource_id=cust_4910" \
  --data-urlencode "ts_from=2026-03-01T00:00:00Z" \
  --data-urlencode "ts_to=2026-03-31T23:59:59Z"

# Or generate the evidence pack
curl https://www.agentaudit.co.uk/api/packs/eu-ai-act-12 \
  -H "Authorization: Bearer aa_live_..." > pack.html
§ III. The moat

Anyone can build a log.
Nobody else turns it into the answer.

We engineered the EU AI Act Article 12 evidence pack from the regulation itself, the AI Office's published guidance, and conversations with external auditors at compliance review pilots.

Eight pages. Cover, executive summary, system inventory, operational summary, material event analysis, integrity proof, manifest, auditor sign-off. PDF for the auditor, machine-readable JSON for the regulator's analyst.

As the catalogue grows — ICO, FCA, NIST, insurance — the format stays consistent. But the real moat sits underneath every pack: one signed, independently timestamped as-of record — at the moment an action happened, what authority was in force, and what has happened since — reproducible byte-for-byte by anyone, trusting no one.

§ IV. The catalogue

One platform.
Every regulator's format.

Six packs in active development. Each engineered against the underlying regulation and validated with practising auditors. The same hash-chained receipt feeds all of them — meaning when a new regulator gets its question ready, the answer is already in your data.

Pack
Purpose
Region
Status
i.
EU AI Act Article 12
Record-keeping evidence for high-risk AI systems. The headline obligation.
EU · UK
● Live
ii.
ICO Subject Access
Every action involving a named data subject, with lawful basis & ADM disclosure.
UK
● Live
iii.
Board & Audit Committee
Quarterly governance pack: anomalies, material decisions, integrity status.
Global
● Live
iv.
FCA SYSC operational resilience
Evidence demonstrating AI-driven service resilience for FCA-regulated firms.
UK
● Live
v.
NIST AI RMF
Govern · Map · Measure · Manage evidence for US enterprise diligence.
US
● Live
vi.
Insurance claim pack
Incident timeline + affected receipts + integrity proof for cyber / E&O claims.
Lloyd's
● Live
vii.
Colorado AI Act
Consumer-protection disclosures for high-risk AI under Colorado SB24-205.
US · CO
○ Roadmap
§ V. The distinction

Not another observability tool.
A different category.

Datadog / Splunk Langfuse / Helicone Drata / Vanta Agent Audit
Per-agent-action records — HTTP only ~ dev tracing — static controls ✓ Native
PII redaction at the SDK — — raw prompts stored — ✓ 7 patterns + Luhn
Cryptographic hash chain — — — ✓ SHA-256 + RFC 3161
Authority pinned at moment of action — — — ✓ As-of record
Occurrence vs authorisation verdict — — — ✓ Both, separately
Offline completeness check — catches omission & back-dating — — — ✓ Not just integrity
Regulator-ready export packs — — ~ SOC 2 / ISO only ✓ 6 jurisdictions
Cross-vendor (OpenAI · Claude · MCP) ~ via integrations ✓ — ✓ Native adapters
UK data residency default ~ region selectable ~ EU option ~ EU option ✓ London by default
Built for SRE teams ML engineers SOC 2 compliance CISOs · auditors · regulators

If our underwriting agent rejected a claim wrongly and the customer escalated to the ICO, I genuinely do not know whose desk that lands on. We log to Datadog. But could I produce an evidence pack for that specific decision in under a quarter? Probably not. And we have insurance renewal in March.

Head of Risk, UK insurtech
Composite of seven discovery calls · May–June 2026

The answer: a signed as-of record of that one decision — what the agent was authorised to do the instant it acted, and everything that has happened to the case since. See one you can verify yourself →

€15M
Max Article 12
penalty
3%
Of global
turnover
15%
Cyber premium
loading without evidence
1CLICK
From your dashboard
to an auditor's pack