compliance_rules/eu_rules.py

"""EU compliance rules for marketing materials"""

EU_RULES = {
    "required_disclaimers": [
        {
            "type": "risk_warning",
            "text": ["investment involves risk",
                    "you could lose your invested capital",
                    "past performance is not a reliable guide to future performance"],
            "severity": "high",
            "languages": ["en"]  # expand for other EU languages
        },
        {
            "type": "regulatory_information",
            "text": ["regulated by", "authorized under EU regulations"],
            "severity": "high",
            "languages": ["en"]
        },
        {
            "type": "costs_disclosure",
            "text": ["fees and charges apply",
                    "view our fee schedule"],
            "severity": "medium",
            "languages": ["en"]
        }
    ],
    "prohibited_terms": [
        {
            "term": "assured returns",
            "variations": ["guaranteed returns", "secure profit", "guaranteed profit"],
            "severity": "high",
            "context_check": True
        },
        {
            "term": "no losses",
            "variations": ["cannot lose", "risk free", "safe investment"],
            "severity": "high",
            "context_check": True
        },
        {
            "term": "guaranteed performance",
            "variations": ["assured performance", "secured returns"],
            "severity": "high",
            "context_check": True
        }
    ],
    "channel_specific_rules": {
        "email": {
            "required": ["unsubscribe option", "company information"],
            "character_limit": None,
            "gdpr_compliance": True
        },
        "social": {
            "required": ["#ad", "#promotion"],
            "risk_warning_placement": "visible without clicking"
        },
        "print": {
            "required": ["full risk warning", "company details"],
            "font_size_minimum": "9pt",
            "prominence": "clearly legible"
        }
    },
    "risk_scoring": {
        "missing_disclaimer": 4,
        "prohibited_term": 5,
        "misleading_statement": 4,
        "risk_thresholds": {
            "low": 3,
            "medium": 6,
            "high": 9
        }
    },
    "mifid_requirements": {
        "fair_presentation": {
            "required": ["balanced view", "prominent risk warnings"],
            "prohibited": ["emphasize benefits without risks"]
        },
        "target_market": {
            "required": ["clear target market identification"],
            "prohibited": ["mass marketing of professional products"]
        }
    }
}