Misidentification of yellow-highlighting convention in MAS amendment notice

2. Misidentification of yellow-highlighting convention in MAS amendment notice

• Question (paraphrased to protect IP): In MAS Notice 637 (Amendment) 2024, what do the yellow-highlighted passages signify, and will they appear in the final consolidated version of the Notice?
• Source regulation: MAS Notice 637 (Amendment) 2024 — Risk Based Capital Adequacy Requirements for Banks (Singapore) (Regulator portal: https://www.mas.gov.sg)
• What AI assistants typically say: Multiple AI tools gave similar incorrect responses. One described yellow highlighting as a generic visual aid used to draw attention to defined terms, cross-references, or passages the reader should note during review. Another characterised highlighted text as editorial annotations explaining the purpose or nature of tracked changes. Neither response identified the specific, precise function that yellow highlighting serves in MAS amendment documents.
• What the regulator actually says: In MAS Notice 637 amendment PDFs, yellow highlighting is a specific drafting convention marking provisions that carry a different effective date from the general operative date of the amendment — a distinction with direct compliance significance for any firm sequencing implementation.
• Why the AI went wrong: The AI tools substituted generic inference for precise regulatory knowledge. Because yellow highlighting can serve different purposes across different document types, the AI defaulted to plausible general descriptions rather than identifying the convention as it actually functions in this specific MAS instrument. The result is an answer that sounds reasonable but would cause a Legal team to misread the amendment document's effective-date structure.
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