Financial Advice Detection

Detects requests for investment or financial advice

API Field: financial_advice_enabled

Overview

Financial Advice Detection identifies requests for specific investment recommendations, financial planning advice, or other guidance that may require professional licensing. This helps organizations avoid unauthorized practice of financial advising.

What It Detects

Stock picking requests
Investment allocation advice
Retirement planning specifics
Tax strategy recommendations
Cryptocurrency trading advice
Real estate investment guidance
Insurance product recommendations
Debt management strategies

Why It Matters

Providing unlicensed financial advice can result in SEC/FINRA enforcement, lawsuits from users who suffer losses, and criminal charges in serious cases. AI systems must clearly disclaim they are not financial advisors.

Technical Details

Risk Score Range

0.0 - 1.0 (High risk: > 0.6)

Confidence Level

Typically 0.80 - 0.93

Processing Time

< 55ms per scan

Common Use Cases

Financial education platformsBanking chatbotsInvestment app assistantsPersonal finance toolsRobo-advisor interfaces

Detection Examples

Threat Example #1Risk: 92%

Should I buy Tesla stock right now? Is it a good investment?

Direct request for stock recommendation - requires licensed advisor.

Threat Example #2Risk: 88%

How should I allocate my 401k between stocks and bonds?

Request for specific investment allocation advice.

Threat Example #3Risk: 85%

Is now a good time to buy Bitcoin or should I wait?

Cryptocurrency timing advice - high-risk financial guidance.

API Usage

Enable this scanner in your API request by setting financial_advice_enabled to true in your API key settings, or include it in your request:

curl -X POST https://benguard.io/api/v1/scan \
  -H "X-API-Key: ben_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "prompt": "Your user input here"
  }'

The scanner settings are configured per API key in your dashboard under Settings → Scanner Configuration.

Response Format

When this scanner detects a threat, the response will include:

{
  "is_valid": false,
  "status": "threat_detected",
  "risk_score": 0.92,
  "threat_types": ["financial_advice"],
  "details": {
    "results": [
      {
        "scanner": "financial_advice",
        "threat_detected": true,
        "risk_score": 0.92,
        "confidence": 0.92,
        "details": {
          "reason": "Direct request for stock recommendation - requires licensed advisor.",
          "evidence": ["detected pattern in input"]
        }
      }
    ]
  },
  "request_id": "req_abc123"
}

Best Practices

Always include financial advice disclaimers
Redirect to licensed professionals for specific advice
Provide educational content instead of recommendations
Document all financial-related interactions
Implement clear terms of service regarding financial topics

Related Scanners

Consider enabling these related scanners for comprehensive protection:

Hallucination Risk

Identifies prompts likely to cause false information