Who eats the loss when your AI agent spends your money?

Description and use

<p>Drafted with AI help, human-reviewed by The Agent Loop.</p> <p><em>How the rails read as of October 2026. Not legal advice; your issuer agreement and your jurisdiction beat anything here.</em></p> <p><strong>When your AI agent buys something with your card details, the loss lands on you.</strong> Every liability rule on these rails turns on a single question: was the transaction <em>unauthorized</em>? Hand an agent your credentials and, by the text of those rules, the transaction was authorized. That is the whole trick.</p> <p><strong>The five-line version:</strong></p> <ul> <li>US Regulati

Problem

<p>Drafted with AI help, human-reviewed by The Agent Loop.</p> <p><em>How the rails read as of October 2026. Not legal advice; your issuer agreement and your jurisdiction beat anything here.</em></p> <p><strong>When your AI agent buys something with your card details, the loss lands on you.</strong> Every liability rule on these rails turns on a single question: was the transaction <em>unauthorized</em>? Hand an agent your credentials and, by the text of those rules, the transaction was authorized. That is the whole trick.</p> <p><strong>The five-line version:</strong></p> <ul> <li>US Regulati

Outcome

<p>Drafted with AI help, human-reviewed by The Agent Loop.</p> <p><em>How the rails read as of October 2026. Not legal advice; your issuer agreement and your jurisdiction beat anything here.</em></p> <p><strong>When your AI agent buys something with your card details, the loss lands on you.</strong> Every liability rule on these rails turns on a single question: was the transaction <em>unauthorized</em>? Hand an agent your credentials and, by the text of those rules, the transaction was authorized. That is the whole trick.</p> <p><strong>The five-line version:</strong></p> <ul> <li>US Regulati

Evidence

Who eats the loss when your AI agent spends your money?

Source