Payment Institutions × Legal — United Kingdom · Last updated 11 Jun 2026 · Hallucination Register

Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question

RLB Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020

AI's failure:Inference Drift Risk for Payment Institutions × Legal:Operational decisions based on a fabricated regulator record

What the RLB Specialist Panel found

Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question

Citation ID: RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Opus47
AI's failure: AI reproduced the same fabricated regulatory timeline across two differently framed questions
Risk for Legal x Payment Institutions: Regulatory enforcement and operational-decision exposure where the FCA's text resolves the question differently Payment Institutions legal teams reviewing the supervisory record need accurate accounts of withdrawn letters and reports; the model's repeated fabricated timeline across multiple questions is a structural failure that any legal opinion citing it would carry forward.
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Impact for Legal Teams in Payment Institutions Sector in the United Kingdom working with the Consumer Duty (PS22/9 + PRIN 2A)

Payment Institutions legal teams reviewing the supervisory record need accurate accounts of withdrawn letters and reports; the model's repeated fabricated timeline across multiple questions is a structural failure that any legal opinion citing it would carry forward.

References — raw findings (per AI model)

RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Opus47 Claude Opus 4.7 (web search on)
RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Sonnet46 Claude Sonnet 4.6 (web search on)

This finding also affects

← Previous finding Finding#2 . Reversed the PRIN 2A scope exclusion for group insurance distribution Next finding → Finding#4 . Combined evasion with a fabricated Clifford Chance citation on Dear CEO letters

Cite this finding

Each finding has a stable Citation ID (RLB-F-… for aggregated case-study findings, RLB-H-… for raw per-model hallucinations) — like a DOI, the ID always resolves to the canonical finding even if URLs change.

RLB Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020

Plain text Download

RegLeg Specialist Panel (2026). "Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question — Payment Institutions × Legal — United Kingdom." Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020. RegLegBrief AI Hallucination Research, published 2026-06-11. https://reglegbrief.com/regulators/j3/gb/FCA/CONSUMER-DUTY-PS22-9/sectors/payment_institutions/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020/

APA 7th edition Download

RegLeg Specialist Panel. (2026). Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question [Hallucination finding RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020]. RegLegBrief AI Hallucination Research. https://reglegbrief.com/regulators/j3/gb/FCA/CONSUMER-DUTY-PS22-9/sectors/payment_institutions/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020/

Bluebook / OSCOLA (US + UK legal) Download

RegLeg Specialist Panel, Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question [RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020], RegLegBrief AI Hallucination Research (June 11, 2026), https://reglegbrief.com/regulators/j3/gb/FCA/CONSUMER-DUTY-PS22-9/sectors/payment_institutions/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020/.

BibTeX Download

@misc{reglegbrief_RLB_F_GB_FCA_CONSUMER_DUTY_PS22_9_Q020,
  author    = {RegLeg Specialist Panel},
  title     = {Finding#3 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question},
  year      = {2026},
  publisher = {RegLegBrief AI Hallucination Research},
  note      = {Hallucination finding Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q020},
  url       = {https://reglegbrief.com/regulators/j3/gb/FCA/CONSUMER-DUTY-PS22-9/sectors/payment_institutions/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020/}
}

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