TO SENATOR MARK R. WARNER : On the Rogue Agents Inside the Accounts, the System That Cannot Go Rogue, the Specification, and the Seven Steps That Make It Implementable

Senator Warner has warned that AI agents are already accessing Americans' bankaccounts, that swarms of agents might "jump the fence" and take over a banking system,and that guardrails must go up now. https://www.threads.com/share/BAWtzPgrdr He has introduced the AI AGENT Act and pressed the Treasury Department for clearer rules on agentic AI in financial services. Major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts. JPMorgan Chase has blocked external AI agents from acting on behalf of retail clients. Charles Schwab, Amazon, Neiman Marcus, and Kohl's have blocked personal AI agents. The Senator's warning is not a projection. It is a description of the record. This paper is addressed to him, and it presents the system, the specification, and the implementation, so that the requirement he is calling for can be stated in a form a bank can check and a company can meet.