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The compliance questions, answered plainly.

Short answer first, sources named, no gate. If you only read the first paragraph you'll still have what you came for.

Healthcare5 min readNo. Consumer ChatGPT is not HIPAA compliant, because OpenAI will not sign a Business Associate Agreement for it. Entering protected health information into it is a disclosure to a party with no BAA — impermissible under the Privacy Rule, regardless of how careful the staff member was.Read the answer →Healthcare4 min readNo model is HIPAA compliant on its own — compliance is a property of the deployment, not the weights. An AI system becomes HIPAA-appropriate when PHI is only ever processed under a BAA or inside your own network, with encryption, access control, audit logging and a current risk analysis behind it.Read the answer →Legal5 min readYes — but not with client-identifying information in a consumer tool. ABA Formal Opinion 512 warns that self-learning cloud AI risks improper disclosure by its very nature, and Florida Bar Opinion 24-1 permits generative AI only with real confidentiality safeguards. Competence, supervision and reasonable fees apply to the output either way.Read the answer →Legal6 min readCloud legal AI is faster to start and cheaper for a small firm; on-premise is the only option where client data never leaves the firm. Choose cloud for public-source research, on-premise for anything indexed over your own matters and work product.Read the answer →Accounting5 min readFor work touching client data, the best AI for an accounting firm is a private open-weight model on hardware the firm owns, indexed over its own engagement files. A smarter cloud model you cannot legally feed the actual workpapers is the weaker tool.Read the answer →Banks5 min readYes. GLBA does not prohibit AI; it makes you responsible for safeguarding customer information wherever it goes. With generative AI left outside the agencies' 2026 model-risk guidance, examiners read your controls — so the defensible position is inference inside your own perimeter, with a validation file to match.Read the answer →

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