OpenAI’s New Usage Policy Restrictions: What They Mean for Your CustomGPTs

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OpenAI has indeed implemented significant policy changes effective October 29, 2025, that restrict the provision of medical, legal, and financial advice through their services, including CustomGPTs. Based on extensive research, here’s what you need to know about how these changes will affect your custom AI tools.

Understanding the Policy Changes

The updated OpenAI Usage Policies now explicitly prohibit two key activities:​

Direct Professional Advice: Users cannot employ OpenAI services for “provision of tailored advice that requires a license, such as legal or medical advice, without appropriate involvement by a licensed professional.”

Automated High-Stakes Decisions: The policy bans “automation of high-stakes decisions in sensitive areas without human review” in domains including financial activities, credit, insurance, legal, medical, essential government services, and several other areas

The crucial distinction here is “tailored advice” versus general information. OpenAI is drawing a line between providing educational content and giving personalized professional guidance.​

How This Affects CustomGPTs

Existing CustomGPTs Are Not Automatically Deleted: Your existing CustomGPTs remain accessible unless they’re reported or flagged during OpenAI’s review processes. However, OpenAI employs both automated and manual monitoring to identify policy violations.​

Review Process Enforcement: Studies show that 58.7% of CustomGPTs analyzed in recent research exhibited indications of non-compliance with OpenAI policies, revealing significant gaps in the platform’s review process. CustomGPTs can be rejected for public sharing if they’re perceived as providing tailored medical, legal, or financial advice.​

The Naming Problem: A major enforcement trigger appears to be CustomGPTs that include professional titles in their names or descriptions. Research identified over 600 health-related CustomGPTs displaying titles like “doctor,” “psychiatrist,” or “oncologist” in their descriptions—none of which had regulatory approval. This “role creep” phenomenon is a primary concern for OpenAI.​

Practical Enforcement Reality: Despite the policy update, investigations show ChatGPT still provides substantial assistance in legal, medical, and financial domains when directly asked. The policy appears more focused on limiting liability and establishing clear boundaries than on implementing complete technical barriers.​

What Happens If Your CustomGPT Violates Policy

If OpenAI determines your CustomGPT violates their usage policies, several outcomes are possible:​

Removal from Public Listing: Your CustomGPT will be taken down from the GPT Store and made inaccessible to public users

Appeal Process: You’ll receive notification with an appeal option, though response times can range from several weeks to months​

Account Warnings: Repeated violations can lead to account warnings, temporary suspensions, or in extreme cases, permanent bans​

No Automatic Deletion: Your CustomGPT isn’t automatically deleted, but you lose the ability to share it publicly. For Team or Enterprise accounts, internal access may remain.​

Protecting Your CustomGPTs: Best Practices

To ensure your CustomGPTs remain compliant while still providing value, implement these strategies:

Reframe as Educational Tools: Position your CustomGPT as providing information rather than advice. Instructions should explicitly state: “Provide information, not advice” and direct users to consult licensed professionals for personalized guidance.​

Add Clear Disclaimers: Build disclaimers directly into your CustomGPT’s instructions and conversation starters:​

  • “This information is for educational purposes only and does not constitute medical/legal/financial advice.”
  • “Always consult with a licensed professional before making decisions.”
  • “This tool cannot replace professional judgment.”

Avoid Professional Titles: Don’t name your CustomGPT with terms like “Doctor,” “Lawyer,” “Financial Advisor,” or similar professional designations. Instead, use descriptive names like “Medical Information Assistant” or “Legal Research Helper.”​

Define Clear Boundaries: In your CustomGPT instructions, explicitly outline what the tool will NOT do:​

  • Will not diagnose conditions
  • Will not recommend specific legal actions
  • Will not provide investment advice
  • Will not make high-stakes decisions

Emphasize “Appropriate Involvement”: The policy allows for professional advice “with appropriate involvement by a licensed professional”. Structure your CustomGPT to support professionals rather than replace them. For example, create tools that help licensed practitioners research, draft documents, or organize information—not tools that give direct advice to end users.​

Focus on Process Over Prescription: Design your CustomGPT to guide users through thought processes, explain concepts, and provide frameworks rather than giving specific recommendations. For instance, a legal CustomGPT could explain different types of business structures without recommending which one a user should choose.​

The Information vs. Advice Distinction

Understanding this critical difference will determine whether your CustomGPT remains compliant:​

Permitted Information Sharing:

  • Explaining general medical concepts or conditions
  • Describing legal processes and procedures
  • Outlining financial planning principles
  • Providing educational content with citations
  • Offering frameworks for decision-making

Prohibited Tailored Advice:

  • Diagnosing specific health conditions
  • Recommending specific legal strategies for individual situations
  • Providing personalized investment recommendations
  • Analyzing individual medical images or documents
  • Making determinations about what someone should do

The keyword is “tailored.” General information is acceptable; personalized guidance specific to an individual’s circumstances crosses the line.​

Strategic Redesign Approaches

If you currently have CustomGPTs that might violate the new policies, consider these redesign strategies:

Pivot to Professional Support Tools: Rather than targeting end-users seeking advice, reposition your CustomGPT as a productivity tool for licensed professionals. A medical CustomGPT could help doctors draft patient education materials or research treatment protocols, not diagnose patients directly.​

Implement Multi-Step Verification: Build in prompts that repeatedly remind users to verify information with professionals and obtain the disclaimer at multiple interaction points.​

Create Tiered Access Models: For Team or Enterprise accounts, you can restrict your CustomGPT to verified professionals within your organization while keeping it private from the general public.​

Add Context Gathering: Before providing any substantive information, have your CustomGPT ask clarifying questions that establish the user is seeking general education, not personalized guidance.​

The Broader Context

This policy shift reflects several converging forces:​

Regulatory Pressure: Growing scrutiny from agencies like the FTC and FDA regarding AI’s role in sensitive domains has prompted OpenAI to establish clearer boundaries.​

Liability Concerns: By explicitly prohibiting certain uses, OpenAI reduces its legal exposure for harms that might result from users relying on AI-generated professional advice.​

Practical Safety: Medical misdiagnoses, incorrect legal advice, or poor financial guidance can have serious real-world consequences. The policy aims to prevent users from over-relying on AI for critical life decisions.​

Market Positioning: The restrictions actually create opportunities for professionals who can emphasize the irreplaceable value of human expertise, judgment, and accountability that AI cannot replicate.​

Moving Forward

Your CustomGPTs can remain valuable and compliant by focusing on education, information synthesis, and professional support rather than direct advice. The most successful approach involves:​

  1. Transparent positioning about what your CustomGPT is and isn’t
  2. Consistent disclaimers throughout the user experience
  3. Clear boundaries in instructions and responses
  4. Professional involvement as the ultimate decision-maker

This policy change doesn’t eliminate the utility of CustomGPTs in medical, legal, and financial domains—it simply requires a more thoughtful approach that recognizes the crucial role of licensed professionals in high-stakes decisions.​

The restrictions may actually strengthen your CustomGPTs by clarifying their proper role: augmenting human expertise rather than replacing it. By redesigning your tools with these principles in mind, you can create compliant, valuable CustomGPTs that serve users while respecting professional boundaries and regulatory requirements.

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