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# Canada's biggest banks restrict personal AI agents such as Meta's Muse
- URL: https://thecoverwire.com/canada-banks-block-personal-ai-agents-rbc/
- Published: 2026-10-31T13:00:00.000Z
- Updated: 2026-11-02T11:34:39.000Z
- Description: Royal Bank of Canada told staff that such agents can create liability exposure, according to a memo seen by Bloomberg.
- Author: CoverWire
- Tags: AI, #desk-markets, #brief

Royal Bank of Canada will block third-party personal AI agents from directly accessing its authenticated digital services, according to a staff memo seen by Bloomberg and [reported by Insurance Journal](https://www.insurancejournal.com/news/international/2026/10/29/890752.htm?ref=thecoverwire.com) on 29 October.

The memo said such agents "accessing banking systems can create unacceptable customer risk, including acting beyond customer expectations or creating liability exposure". Bank of Montreal, Toronto-Dominion Bank and Scotiabank said they were also restricting the agents.

Meta's Muse is among the personal agents that can access quotes from US comparison site Insurify through an [AI agent gateway](https://thecoverwire.com/insurify-ai-agent-gateway-mcp-quotes/) launched on 28 October. London start-up [Marrow](https://thecoverwire.com/marrow-2m-pre-seed-ai-agents-buy-insurance/), which builds infrastructure for agents to buy insurance, has been in production with Aviva since March 2026.

Related coverage: [Allianz X co-leads $200m round in AI specialty underwriter Ledgebrook](https://thecoverwire.com/ledgebrook-200m-round-allianz-x/) and [FCA lists relying on untested AI vendor assurances as poor practice](https://thecoverwire.com/fca-ai-poor-practice-untested-vendor-assurances/).

## Sources

- [Insurance Journal (Bloomberg), 29 Oct 2026](https://www.insurancejournal.com/news/international/2026/10/29/890752.htm?ref=thecoverwire.com)
- [Coverwire, Insurify AI agent gateway](https://thecoverwire.com/insurify-ai-agent-gateway-mcp-quotes/)
- [Coverwire, Marrow pre-seed round](https://thecoverwire.com/marrow-2m-pre-seed-ai-agents-buy-insurance/)