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When a bank uses generative AI to make portfolio recommendations for investment accounts but continues to be unable to explain the basis for the outputs to customers and regulators, what is the most immediate legal concern?
①Violation of the data retention period
②Leakage of internal intellectual property
③Breaches of suitability obligations and administrative sanctions resulting from a lack of accountability.
④Breach of the duty to ensure employee safety.
⑤Violation of foreign exchange regulations