After the whole Velvet Sundown-fiasco, audio streaming competitor Spotify started adding AI disclosures through metadata in Sept. 2025, working with the Digital Data Exchange (DDEX) to allow "artists and rights holders a way to clearly indicate where and how AI played a role in the creation of a track — whether that’s AI-generated vocals, instrumentation, or post-production." However, this is separate from Spotify recommending AI-generated music to users, which we've still seen happening in 2026.
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But the vast majority of mortgage customers have fixed-rate deals. While their monthly payments aren't immediately affected by a rate change, future deals are.
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