Which regulatory agencies enforce this type of clause?

{'agency': 'FTC', 'reason': 'The FTC enforces against AI-generated deceptive practices and fraud under Section 5, including Operation AI Comply targeting deceptive AI content.', 'complaint_url': 'https://reportfraud.ftc.gov/'}, {'agency': 'CFPB', 'reason': 'The CFPB has UDAAP authority over AI-enabled financial fraud and deceptive practices targeting consumers in financial products and services.', 'complaint_url': 'https://www.consumerfinance.gov/complaint/'}

What is the severity of this clause?

ConductAtlas classifies this Prohibition on Fraud and Deceptive Practices clause as high severity. Severity reflects the magnitude of rights affected, the breadth of users impacted, and the degree of discretion the platform retains.

Prohibition on Fraud and Deceptive Practices — Cohere

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What it is

Cohere prohibits using its AI to generate phishing content, scam communications, fake identities, or other materials intended to defraud or deceive individuals.

Consumer impact (what this means for users)

Consumers are protected from having Cohere's AI used to generate scam emails, phishing pages, or fake identities designed to steal their money or personal information.

Cross-platform context

See how other platforms handle Prohibition on Fraud and Deceptive Practices and similar clauses.

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Why it matters (compliance & risk perspective)

AI-generated fraud content is a rapidly escalating threat; this prohibition places affirmative compliance obligations on developers to ensure their applications cannot be weaponized for financial fraud or identity theft.

View original clause language

Certain use cases, such as violence, hate speech, fraud, and privacy violations, are strictly prohibited. Developers must outline and get approval for their use case to access the Cohere API.

Institutional analysis (Compliance & legal intelligence)

(1) REGULATORY FRAMEWORK: Fraud prohibitions engage the Wire Fraud Act (18 U.S.C. §1343); FTC Act Section 5 on deceptive practices; CAN-SPAM Act (15 U.S.C. §7701) for AI-generated spam; CFPB UDAAP authority for financial fraud targeting consumers; and state consumer protection statutes, enforced by FTC, CFPB, and state AGs. (2)

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Applicable agencies

FTC

The FTC enforces against AI-generated deceptive practices and fraud under Section 5, including Operation AI Comply targeting deceptive AI content.
File a complaint →
CFPB

The CFPB has UDAAP authority over AI-enabled financial fraud and deceptive practices targeting consumers in financial products and services.
File a complaint →

Provision details

Document information

Document

Cohere Usage Policy

Entity

Cohere

Document last updated

April 29, 2026

Tracking information

First tracked

April 30, 2026

Last verified

April 30, 2026

Record ID

CA-P-004176

Document ID

CA-D-00442

Evidence Provenance

Source URL

https://docs.cohere.com/docs/usage-policy

Wayback Machine

View archived versions →

SHA-256

2937f674a79ab03784eab9a8774b7c807068d6f695cd81b3eb7bc9419a338c76

Verified

✓ Snapshot stored ✓ Change verified

How to Cite

ConductAtlas Policy Archive
Entity: Cohere | Document: Cohere Usage Policy | Record: CA-P-004176
Captured: 2026-04-30 06:46:20 UTC | SHA-256: 2937f674a79ab037…
URL: https://conductatlas.com/platform/cohere/cohere-usage-policy/prohibition-on-fraud-and-deceptive-practices/
Accessed: May 2, 2026

Classification

Severity

High

Prohibition on Fraud and Deceptive Practices