Schwab, JPMorgan and Yelp have said they limit AI agents, and Delta says it has no deal. A roundup lists the services shutting agents out. Some users say Amtrak and Cars.com stopped working with agents too, but that is unverified.

Who has said it, in their words

Charles Schwab CEO Rick Wurster told investors on Oct. 15 that "there's one way we think is not safe, and that's just an agent coming to our site and trying to log in on behalf of a client. We are not going to allow that," American Banker reports. Schwab blocks agents that use a client's login credentials or browser automation.

JPMorgan's Jamie Dimon said on the Oct. 13 earnings call, "We're not going to allow just any… outside agent to come in inside the company, because it's just too risky for clients and for JPMorgan," The Verge reported. A bank spokesperson said the company blocks outside AI agents from performing tasks for customers.

Yelp allows AI agents only if they have paid for access through its data licensing program, TechCrunch reports.

Delta's wording is softer. It said it does not "currently have a partnership or integration" that lets a third-party agent shop for or book its flights, and is "continuing to evaluate," in the same report. Delta also said it is taking steps to protect customers from unauthorized automated activity. That is not a stated ban.

A pop-up shown to Muse users said continued access by an unauthorized AI agent violates Amazon's Conditions of Use, GeekWire reported. Meta says turning away a personal agent "means turning away the customer behind it."

What still works

  • Shopping with Muse at partner stores. CNBC reported that Muse works with Meta's retail partners, including Walmart, Gap, Sephora, Expedia, Wayfair and Best Buy. It prepares a purchase and waits for your approval. Not every connector is active yet, and some users report Walmart checkout problems despite the partnership, per the roundup above.
  • Shopify stores through Shop. An agent can buy from Shopify listings once you connect it to your Shop account, and you approve each buy by default, as we covered.
  • Schwab trades through other assistants. Schwab says certain LLMs can connect to place trades, but money movement is not allowed.

What to do instead

For a bank account, use the bank's own assistant, such as Schwab's Charley, rather than a general agent that logs in as you. For shopping, connect your agent through a route the store has opened, such as Shop, and approve checkout yourself. For Delta flights there is no supported agent route today, and Yelp wants a paid license.

Why it matters

The trade-off is control against convenience. Banks call an agent that logs in as you too risky. Analyst Tim Welsh said: "An outside agent works for the client. Charley works for Schwab." A bank's own assistant is safer by the bank's measure, but it keeps you inside its product.

The legal footing is still open. In August a federal appeals court lifted the injunction in Amazon's case against Perplexity's shopping tool, MediaPost reports. Meta's own side is shifting too: its Commercial Terms on crawling now limit what its bots may crawl sites for.