---
title: "Reg BI Best-Interest Checker"
method: POST
path: "/v1/tools/reg_bi_best_interest_checker"
tags: ["reg-bi", "best-interest", "form-crs", "suitability", "us", "wealth", "broker-dealer", "finra", "sec", "compliance"]
---

# Reg BI Best-Interest Checker

`POST /v1/tools/reg_bi_best_interest_checker`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/reg_bi_best_interest_checker`
- Auth: none declared

Assess a securities recommendation against SEC Regulation Best Interest's four component obligations (Disclosure, Care, Conflict of Interest, Compliance). Returns per-obligation PASS/GAP determination, overall best-interest verdict, and ordered remediation list. Deterministic. US broker-dealer scope. 2026 FINRA enforcement priority.

**Tool URL:** https://ainumbers.co/tools/463-reg-bi-best-interest-checker.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `recommendation_type` 'security_transaction' | 'investment_strategy' | 'account_type' | 'rollover' | 'margin', required: Type of recommendation being assessed
  - `retail_customer` boolean, required: True if the recommendation is made to a retail customer (required for Reg BI scope)
  - `reasonably_available_alternatives_considered` integer: Number of reasonably available alternatives considered before making the recommendation
  - `total_cost_bps` number: Total cost to the retail customer in basis points
  - `lower_cost_alternative_exists` boolean: True if a lower-cost alternative was identified in the considered set
  - `conflicts_disclosed` boolean: True if material conflicts of interest were disclosed in writing
  - `conflicts_mitigated` boolean: True if conflicts of interest were mitigated or eliminated through written policies
  - `form_crs_delivered` boolean: True if Form CRS was delivered to the retail customer at or before the recommendation
  - `rationale_documented` boolean: True if the recommendation rationale (basis for best interest) was documented
  - `compliance_program_in_place` boolean: True if a written compliance program reasonably designed to achieve Reg BI compliance is in place

## Response `200`

Successful tool execution result

- object
  - `verdict` 'BEST_INTEREST_MET' | 'ATTENTION' | 'NOT_MET' | 'OUT_OF_SCOPE'
  - `verdict_label` string
  - `obligations` object[]
    - `obligation` string
    - `citation` string
    - `status` 'PASS' | 'GAP'
    - `gaps` unknown[]
      - unknown
    - `detail` string
  - `remediation` string[]

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)