Anthropic spells out when a qualified person must review Claude’s recommendations
Anthropic’s updated Usage Policy, in force from November 12, lists the decisions about people where a qualified person must review Claude’s advice and the person affected must be told.
On October 8, 2026, Anthropic published an updated Usage Policy for Claude, which takes effect on November 12, 2026. It covers every user, including the end users of products built on Claude.
The section on high-risk uses now lists the recommendations it covers in eleven areas, such as hiring, setting pay and evaluating performance, personalized investment and tax advice, decisions on credit, insurance and housing, medical diagnosis and treatment, school admissions, public benefits, and advice on a person’s legal rights. For these, a qualified person, licensed where the law requires it, must review the recommendation before it is delivered or acted on, must have the authority to change it, and remains responsible for it. The person affected must be clearly told that AI was used. General information and business operations that don’t advise or decide about a specific person are excluded. Anthropic says the requirements “haven’t changed” and are now stated more clearly.
It also prohibits tracking people without their consent and using Claude to decide or recommend whom to investigate, arrest or charge. A new section collects the rules against deceptive campaigns, political or commercial, such as fake accounts and fake reviews.
What it means for your work
HR, finance and insurance teams, schools, healthcare administrators and legal departments that use Claude for decisions about individuals should review their process before November 12. This arrangement is sound with any AI vendor: the AI drafts, a qualified person decides and answers for the outcome, and the person affected is told. Where local law asks for more, the policy says local law comes first.
What to check
Write down who reviews each kind of recommendation and how people are informed. If you use Claude inside another company’s software, ask that vendor how it handles review and disclosure.
Sources
This page is educational and is not legal advice.