IV Security for the age of AI
IV

Regulatory Exposure Model

Size the question — not the answer

Most institutions don't know what their AI estate is carrying in regulatory liability. The figures are not hidden — they sit in statute, in published enforcement decisions, in the breach-cost reports the analyst firms publish every year. They are simply not aggregated against any specific institution's exposure profile.

This calculator is engineered to surface exposure, not to predict it.

Regulatory enforcement is discretionary. The numbers below are an aggregation of statutory maxima, observed enforcement actuals, and industry-adjusted likelihood. They are an instrument for framing — not a forecast.

Use the numbers below to size the question — not to answer it.

Regulatory Exposure Model Adjust inputs — outputs recalculate live
Regulatory landscape:
Shadow-AI multiplier active. With 21+ AI tools in use, exposure includes a documented +$670K-per-breach premium for shadow-AI incidents — tools running outside formal governance carry both higher likelihood and longer time-to-detect.
Maximum theoretical exposure —
Worst case under current + announced regulation, across selected jurisdictions
Likelihood-weighted exposure today —
Realistic carrying cost given enforcement aggressiveness and observed actuals
Same, with IV governance posture —
Architectural likelihood reduction + severity-bucket shift via documented governance posture
Annualized risk-cost reduction (the case) —
Adjust assumptions ▾
Enforcement aggressiveness
Source: regulator stated policy + recent enforcement-action volume. "Realistic" tracks current observed cadence.
Penalty figures
Statute (e.g. EU AI Act €35M / 7% turnover, HIPAA $1.5M/category/year) vs. observed actuals (e.g. Estonian DPA 2025 €3M, healthcare $7.42M avg, US $10.22M).
IV likelihood reduction
IV claim: continuous cryptographic audit + DPA promotion gates + SRA autonomous response reduce incident likelihood. Gartner: dedicated governance platforms are 3.4× more effective than traditional GRC.
IV severity-bucket shift
IV claim: regulators weight remediation; demonstrable architectural governance shifts post-incident penalty severity. Reflected as a 15–35% severity reduction depending on deployment scope.
⌘

Desktop Experience

The Regulatory Exposure Model is an interactive calculator with five input dimensions, three output bars, and four adjustable assumption dials. For the full experience, please view on a screen at least 900 px wide.

Open on tablet or desktop

Reduce this exposure.

Every Loriqa engagement begins with an architecture review. A conversation about your regulatory profile, your AI estate, and how the audit-grade governance posture reflected above is actually built.

Request architecture review →
Beyond the calculator
Loriqa
The audit architecture behind the figures above. EventStore, CVR, regulation packs.
See the platform →
IV Impact
Workforce transition, government assistance, multi-party negotiation.
Visit IV Impact →
All IV one. One IV all.