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COA
The missing institutional layer that governs how cognition is delegated to machine systems, how authority emerges from that delegation, and how accountability is preserved across time, system change, and organisational turnover. COA does not regulate what AI systems think; it regulates the conditions under which institutional reliance on machine cognition is permitted to form, persist, and evolve.
A financial institution deploys an ML model as advisory support. Over time, reliance compounds, authority migrates, and delegation becomes irreversible—not through governance failure, but through architectural absence. COA would have specified delegation boundaries, authority thresholds, and accountability continuity requirements.
Section 4: Definition and Scope