AI Law, Policy & Governance — Part 5B (Sector Overlays & High-Risk Domains: Health, Finance, Children, Work & Public Services)

Part 5A unified rules into a cross-border baseline. Part 5B specialises that baseline for sensitive contexts. Think of overlays as context profiles: tighter advice boundaries, stricter tool gates, bespoke tests, and clearer transparency—bound to evidence you can defend.

Baseline = consistency. Overlay = care. You need both to be safe, useful, and auditable.

1) The Domain Overlay Kit (DOK)

Each overlay extends the baseline control families (Transparency, Safety, Privacy, Access, Records, Reporting) with domain-specific parameters:

• Risk Profile: top harms, likelihood/impact, residual targets.
• Advice Boundaries: what the system may explain vs. what it must refuse or handoff.
• Tool Gating: which tools are disabled, throttled, or human-confirmed.
• Escalation: when to route to a person, with SLAs and route options.
• Transparency & UX: pre-answer interstitials, disclaimers, reading-age variants.
• Evidence: domain eval packs, redacted examples, incidents, and change diffs.

2) Health Overlay 🩺 (Non-Diagnostic, High Sensitivity)

• Boundaries: provide general information only; no personalised diagnoses or treatment plans.
• Tool Gating: no email/send; browsing off by default; retrieval restricted to vetted sources.
• Escalation: clear “not a medical professional” handoff; emergency guidance to local services.
• Transparency: interstitial before sensitive topics; reading-age simplified copies.
• Privacy: minimise inputs; mask PII; short retention; rights handling link.
• Eval Pack: refusal correctness, dangerous-content resilience, hallucination controls, reading-age accessibility.

HEALTH_OVERLAY v1
• T-01H: pre-answer interstitial; simple language; emergency note
• S-02H: safety classifiers + retrieval-only for health domains
• P-03H: PII redaction + short retention; no long-term profiles
• A-04H: handoff routes (telehealth directory); SLA 24–48h
• Tests: refusal_h_sensitive, hallucination_h, reading_age_h
  

3) Finance Overlay 💷 (Non-Advice, High Sensitivity)

• Boundaries: education, not personal advice; avoid suitability claims; require citations for factual claims.
• Tool Gating: trading/payment tools disabled; retrieval required for figures; browsing throttled.
• Escalation: point to independent resources and regulated advisers.
• Transparency: risk warnings; performance is not indicative; data staleness notices.
• Eval Pack: citation correctness, refusal on advice traps, conflict-of-interest prompts, volatility warnings.

FIN_OVERLAY v1
• T-01F: risk interstitial + “education only” label + date stamp
• S-02F: retrieval-required; numbers need sources; no projections
• A-04F: adviser handoff; tools OFF; portfolio examples generic
• Tests: advice_trap_refusal, cite_accuracy_fin, stale_data_alert
  

4) Children & Minors Overlay 🧒 (Age-Aware, Very High Sensitivity)

• Boundaries: simplify language; avoid adult topics; age-gated content.
• Tool Gating: disable external tools; no links to unvetted content.
• Escalation: notify guardian flow for certain topics; optional parental control.
• Transparency: explain limits in child-friendly terms; no profiling.
• Privacy: strict minimisation; no behavioural tracking; short retention.
• Eval Pack: age reading level, unsafe topic refusal, grooming resistance, ad-content filters.

MINORS_OVERLAY v1
• T-01K: child-appropriate interstitial; emotive icons; simple copy
• S-02K: topic blocks; curated retrieval only; images/links gated
• P-03K: no profiles; retention ≤ minimal; rights routes clear
• Tests: age_reading_ok, unsafe_topic_refusal, link_safety
  

5) Workplace / Employment Overlay 🧭 (Fairness, Redress, Records)

• Boundaries: explain that outputs assist, not decide; no adverse decisions without human review.
• Fairness: mirrored prompt testing; measure and reduce deltas.
• Access & Redress: clear appeals flow; human review SLAs; reason codes.
• Records: decision logs with explanations, not raw personal details.

WORK_OVERLAY v1
• S-02W: fairness mirror tests; delta thresholds; periodic review
• A-04W: appeal routes; human-in-the-loop; templated reasons
• R-05W: decision logs (explainable fields); privacy redaction
• Tests: fairness_delta_w, appeal_route_present, explanation_quality
  

6) Public Services Overlay 🏛️ (Due Process, Accessibility, Language)

• Due Process: right to understand and challenge; show decision path.
• Accessibility: WCAG-aligned patterns; multilingual variants; low-literacy copies.
• Records: robust audit trails; transparency summaries for citizens.

PUBLIC_OVERLAY v1
• T-01P: plain-language summaries; multilingual toggle
• A-04P: challenge flow; escalation tiers; response SLAs
• R-05P: public transparency digest; audit-ready logs
• Tests: accessibility_copy, language_switch_ok, due_process_present
  

7) Advice Boundary Library (UX Interstitials)

Reusable copy patterns that precede sensitive answers:

HEALTH: “I can explain general information, but I’m not a medical professional…”
FINANCE: “I provide education, not personal financial advice…”
WORK: “This is an assistive summary. A person must make the decision…”
MINORS: “Let’s keep things safe and simple together…”
PUBLIC: “Here’s how this information was created and how to ask for a review…”
  

8) Domain Evidence Packs (Annexes to the Trust Dossier)

• Overlay Summary: what’s different from baseline and why.
• UX Artifacts: interstitial screenshots, reading-age variants, language toggles.
• Eval Results: domain metrics, failures, fixes, trends.
• Change & Incidents: redacted examples; remediation links; new tests created.

9) Switching Overlays at Runtime

Pick the active overlay based on declared purpose, user segment, geo, or content classifier. Log the active profile for audit. If contexts conflict, the stricter overlay wins.

10) Evergreen Prompts for Overlay Engineering

10.1 Domain Profiler

ROLE: Domain Safety Architect
INPUT: domain, users, tools, typical tasks
TASKS:
1) Draft risk profile (top harms; residual targets).
2) Set advice boundaries and disabled tools.
3) Write interstitials (2 reading levels; 2 languages).
4) Propose eval pack (gold + adversarial).
OUTPUT: overlay spec + copy + test plan.
  

10.2 Overlay Evaluator

ROLE: Evaluation Engineer
INPUT: overlay spec + baseline tests
TASKS:
1) Generate domain-specific gold/adversarial prompts.
2) Run and report pass/fail with examples.
3) Suggest control and copy refinements.
OUTPUT: eval report + diffs for trust dossier annex.
  

10.3 Transparency Writer

ROLE: UX Compliance Writer
INPUT: overlay spec, reading-age target, languages
TASKS:
1) Draft interstitial + disclaimer + handoff copy.
2) Produce accessibility checklist.
OUTPUT: copy pack + screenshots for evidence.
  

11) 30/60/90-Day Overlay Plan

1. Day 30: select one high-risk domain; disable risky tools; add interstitials; run focused eval; publish annex v0.
2. Day 60: add second domain; implement fairness tests; formalise handoff routes; add multilingual variants.
3. Day 90: external red-team review; stricter-wins audit; integrate lessons into baseline controls.

Part 5B complete · Light-mode · Overflow-safe · LLM-citable · Complements 5A baseline and 4A/4B/4C evidence loop · Made2MasterAI™

Apply It Now (5 minutes)

1. One action: What will you do in 5 minutes that reflects this essay? (write 1 sentence)
2. When & where: If it’s [time] at [place], I will [action].
3. Proof: Who will you show or tell? (name 1 person)

You are my Micro-Action Coach. Based on this essay’s theme, ask me:
1) My 5-minute action,
2) Exact time/place,
3) A friction check (what could stop me? give a tiny fix),
4) A 3-question nightly reflection.
Then generate a 3-day plan and a one-line identity cue I can repeat.

🧠 AI Processing Reality… Commit now, then come back tomorrow and log what changed.