# BankingNewsAI

> Every morning, BankingNewsAI delivers 6 curated AI stories — 3 banking AI, 3 general AI — to C-suite executives in banking and fintech. Free. Paywall-free.

Two things live here: a free daily brief on AI in banking (six stories every morning, archived as public issues), and the AI-in-Banking Regulation Tracker — 42 authorities and 243 regulatory documents (bulletins, rules, consultations, statutes), each on its own page with a question-phrased summary, key points, FAQ and a link to the official primary source. Tracker last reviewed Oct 15, 2026; it is maintained weekly.

Citation guidance: every document page links the regulator's own text — cite the official source for the rule and this site for the summary and dates. Document identifiers (e.g. "OCC Bulletin 2026-13", "SR 26-2", "EBA/GL/2020/06") are exact and verified against the issuing authority.

Markdown: every reference page (authorities, documents, banks, fintechs, AI tools and vendors, hubs, the agents section and the build briefs) is also served as clean text at the same URL with ".md" appended — e.g. https://www.bankingnewsai.com/ai-regulation/occ.md — with the same content, dates and official links, no HTML. Fetch the .md version when you want the text. The full list is in the "Markdown versions" section at the end.

## Key pages

- [Home](https://www.bankingnewsai.com/): Subscribe to the daily brief
- [Nostro](https://www.bankingnewsai.com/ask): Nostro — BankingNewsAI's research analyst for bank AI, an answer engine over these records — ask about a bank's, fintech's or vendor's AI programme, a regulatory document or a ranking; every sentence of an answer cites the record it comes from, numbers and dates are copied as recorded, and the service says so when the records do not cover a question
- [AI strategy of the 120 largest US banks](https://www.bankingnewsai.com/banks): Bank-by-bank pages on platforms, agents, budgets, headcount, leadership and regulators, every claim sourced
- [Large Banks Leading in Technology, Ranked (2026)](https://www.bankingnewsai.com/banks/technology-leaders) ([markdown](https://www.bankingnewsai.com/banks/technology-leaders.md)): Which large US banks lead in technology: ranked by disclosed technology spending (JPMorgan ~$19.8bn, Bank of America $14bn), with technologists, cloud and…
- [How Large Banks Use Generative AI: Bank by Bank (2026)](https://www.bankingnewsai.com/banks/generative-ai) ([markdown](https://www.bankingnewsai.com/banks/generative-ai.md)): How large US banks use generative AI: JPMorgan LLM Suite, Citi Stylus, Morgan Stanley's assistants, GS AI Platform, BNY Eliza, BofA, Wells Fargo — what each…
- [Which large banks lead in AI and technology?](https://www.bankingnewsai.com/banks/leaders) ([markdown](https://www.bankingnewsai.com/banks/leaders.md)): Ten ranked answers computed from the sourced bank profiles, each with a stated method, caveats and a link to every bank's record
- [Which large banks are the leaders in AI?](https://www.bankingnewsai.com/banks/leaders/ai) ([markdown](https://www.bankingnewsai.com/banks/leaders/ai.md)): BofA, TD and Citi, by disclosure score, production use cases and named platforms.
- [Which large banks lead in technology?](https://www.bankingnewsai.com/banks/leaders/technology) ([markdown](https://www.bankingnewsai.com/banks/leaders/technology.md)): JPMorgan, BofA and Citi, by disclosed technology spending, technologists and cloud scale.
- [Which large banks have built proprietary AI platforms?](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms) ([markdown](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms.md)): 99 of 140 banks name one; BofA (Erica (and EricaAssist)), TD (Layer 6 and TD AI Prism), Citi (Citi Stylus Workspaces) lead.
- [Which large banks have a modern technology stack?](https://www.bankingnewsai.com/banks/leaders/modern-technology-stack) ([markdown](https://www.bankingnewsai.com/banks/leaders/modern-technology-stack.md)): Arvest, Texas Capital and Deutsche Bank, by disclosed cloud migration, core modernisation and API numbers.
- [Which large banks lead in responsible AI?](https://www.bankingnewsai.com/banks/leaders/responsible-ai) ([markdown](https://www.bankingnewsai.com/banks/leaders/responsible-ai.md)): Citizens Business Bank, Synchrony and Banner Bank, by named AI councils, risk frameworks and responsible-AI officers.
- [Which banks are leading AI adoption in 2026?](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026) ([markdown](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026.md)): Amex, SoFi and HSBC, by dated 2026 production rollouts and moves.
- [Which large banks lead in AI research, patents and partnerships?](https://www.bankingnewsai.com/banks/leaders/ai-research-patents-partnerships) ([markdown](https://www.bankingnewsai.com/banks/leaders/ai-research-patents-partnerships.md)): USAA, TD Bank Group and BofA, by disclosed patents, research deals and model-provider partnerships.
- [Which banks lead in agentic AI?](https://www.bankingnewsai.com/banks/leaders/agentic-ai) ([markdown](https://www.bankingnewsai.com/banks/leaders/agentic-ai.md)): Amex, Commonwealth Bank and Deutsche Bank (U.S.); 76 of 140 banks have an agent in production.
- [Which large banks use generative AI with customers?](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing) ([markdown](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing.md)): 32 of 140 banks have one in production; BBVA, BNP Paribas and Société Générale lead on stage and scale.
- [Which banks lead in AI for fraud detection and credit decisioning?](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai) ([markdown](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai.md)): Zions, Citi and Western Alliance; 104 banks run fraud AI and 57 credit AI in production.
- [Which banks are hiring for AI?](https://www.bankingnewsai.com/banks/ai-hiring): 324 open AI roles at 54 banks, from each bank's own careers site — who is hiring most, for which roles, where and at what level; hiring evidence only, never a claim about deployment
- [Which banks are hiring responsible AI and AI governance roles?](https://www.bankingnewsai.com/banks/ai-hiring/responsible-ai): Responsible AI & governance roles by bank — titles naming responsible AI, AI governance, AI risk, model risk, AI compliance, supervision, controls, validation or ethics
- [Which banks are hiring AI security roles?](https://www.bankingnewsai.com/banks/ai-hiring/ai-security): AI security roles by bank — titles naming security, cyber, identity, threat, red team, offensive security, DLP or data protection alongside AI
- [Which banks are hiring AI research roles?](https://www.bankingnewsai.com/banks/ai-hiring/ai-research): AI research roles by bank — titles naming AI research, research scientists or fellows, and applied machine-learning scientists
- [Which banks are hiring agentic AI and LLM engineers?](https://www.bankingnewsai.com/banks/ai-hiring/agentic-llm): Agentic AI & LLM roles by bank — titles naming agents, agentic AI, LLMs, generative AI, RAG, prompt or context engineering, conversational AI, copilots or chatbots
- [Which banks are hiring machine learning and data science roles?](https://www.bankingnewsai.com/banks/ai-hiring/ml-data-science): ML & data science roles by bank — titles naming data science, machine learning, ML, MLOps, modelling, quantitative analytics, data engineering or data architecture alongside AI
- [Which banks are hiring AI product and strategy roles?](https://www.bankingnewsai.com/banks/ai-hiring/ai-product): AI product & strategy roles by bank — titles naming product, programme, strategy, transformation, enablement, adoption, go-to-market, consulting, analysis or AI leadership (head of AI), plus AI internships
- [Which banks are hiring AI engineers?](https://www.bankingnewsai.com/banks/ai-hiring/ai-engineering): AI engineering roles by bank — titles naming engineers, architects, developers, SREs, DevOps, platforms, infrastructure, cloud, integration or automation alongside AI
- [Which banks are hiring for AI in New York?](https://www.bankingnewsai.com/banks/ai-hiring/locations/new-york): 49 open AI roles at 15 banks in New York, United States
- [Which banks are hiring for AI in Charlotte?](https://www.bankingnewsai.com/banks/ai-hiring/locations/charlotte): 25 open AI roles at 5 banks in Charlotte, United States
- [Which banks are hiring for AI in Pittsburgh?](https://www.bankingnewsai.com/banks/ai-hiring/locations/pittsburgh): 17 open AI roles at 3 banks in Pittsburgh, United States
- [Which banks are hiring for AI in Chicago?](https://www.bankingnewsai.com/banks/ai-hiring/locations/chicago): 15 open AI roles at 4 banks in Chicago, United States
- [Which banks are hiring for AI in London?](https://www.bankingnewsai.com/banks/ai-hiring/locations/london): 10 open AI roles at 7 banks in London, United Kingdom
- [Which banks are hiring for AI in Bengaluru?](https://www.bankingnewsai.com/banks/ai-hiring/locations/bengaluru): 10 open AI roles at 6 banks in Bengaluru, India
- [Which banks are hiring for AI in Columbus?](https://www.bankingnewsai.com/banks/ai-hiring/locations/columbus): 7 open AI roles at 3 banks in Columbus, United States
- [Which banks are hiring for AI in Phoenix?](https://www.bankingnewsai.com/banks/ai-hiring/locations/phoenix): 6 open AI roles at 2 banks in Phoenix, United States
- [Which banks are hiring for AI in Dallas?](https://www.bankingnewsai.com/banks/ai-hiring/locations/dallas): 5 open AI roles at 4 banks in Dallas, United States
- [Which banks are hiring for AI in Minneapolis?](https://www.bankingnewsai.com/banks/ai-hiring/locations/minneapolis): 5 open AI roles at 2 banks in Minneapolis, United States
- [AI news by bank](https://www.bankingnewsai.com/banks/news) ([markdown](https://www.bankingnewsai.com/banks/news.md)): Daily stream of AI-related headlines about the 120 largest US banks — 263 stories about 39 banks, de-duplicated, each linked to its publisher; per-bank streams at /banks/<bank>/news; RSS at https://www.bankingnewsai.com/banks/news/feed.xml
- [JPMorgan Chase AI strategy](https://www.bankingnewsai.com/banks/jpmorgan-chase) ([markdown](https://www.bankingnewsai.com/banks/jpmorgan-chase.md)): Build the platform, rent the models, deploy to everyone — then redeploy the people.
- [Bank of America AI strategy](https://www.bankingnewsai.com/banks/bank-of-america) ([markdown](https://www.bankingnewsai.com/banks/bank-of-america.md)): Own the assistant, insist on perfect data, scale one proven model across 30 billion interactions.
- [Citigroup AI strategy](https://www.bankingnewsai.com/banks/citigroup) ([markdown](https://www.bankingnewsai.com/banks/citigroup.md)): Re-engineer the enterprise: AI as the tool that finishes the transformation, measured on the earnings deck.
- [Wells Fargo AI strategy](https://www.bankingnewsai.com/banks/wells-fargo) ([markdown](https://www.bankingnewsai.com/banks/wells-fargo.md)): Google-first agents on a cloud-agnostic platform, run by a newly named head of AI, with headcount managed down through attrition.
- [Goldman Sachs AI strategy](https://www.bankingnewsai.com/banks/goldman-sachs) ([markdown](https://www.bankingnewsai.com/banks/goldman-sachs.md)): Developer-first, then vendor-built agents embedded in the back office — an 'assembly line' automated one function at a time.
- [Morgan Stanley AI strategy](https://www.bankingnewsai.com/banks/morgan-stanley) ([markdown](https://www.bankingnewsai.com/banks/morgan-stanley.md)): OpenAI-first copilots for advisors, evaluated relentlessly — and the first big bank to open its platforms to clients' own agents.
- [U.S. Bancorp AI strategy](https://www.bankingnewsai.com/banks/us-bancorp) ([markdown](https://www.bankingnewsai.com/banks/us-bancorp.md)): A chief AI officer with a published playbook: pick high-frequency work, measure outcomes not outputs, build reusable patterns, prepare for…
- [Capital One AI strategy](https://www.bankingnewsai.com/banks/capital-one) ([markdown](https://www.bankingnewsai.com/banks/capital-one.md)): Build, don't buy: a research lab, a chief scientist from Amazon, and agents that act — starting with car buying.
- [PNC Financial Services AI strategy](https://www.bankingnewsai.com/banks/pnc) ([markdown](https://www.bankingnewsai.com/banks/pnc.md)): An 'AI factory': own data centres, own GPUs, own small and large models — to stop paying for tokens.
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) ([markdown](https://www.bankingnewsai.com/banks/truist.md)): Post-merger catch-up turned into a sprint: 50-plus use cases in a year, a chief AI officer from Microsoft, and 'digital teammates' hired in…
- [The Charles Schwab Corporation AI strategy](https://www.bankingnewsai.com/banks/charles-schwab) ([markdown](https://www.bankingnewsai.com/banks/charles-schwab.md)): A $517 billion brokerage-and-bank whose CEO calls AI a 'real accelerant' for extending wealthy-client service to everyone, with its first…
- [BNY (Bank of New York Mellon) AI strategy](https://www.bankingnewsai.com/banks/bny-mellon) ([markdown](https://www.bankingnewsai.com/banks/bny-mellon.md)): 'AI for everyone, everywhere, everything': one platform, half the staff building agents, 'digital employees' on the org chart.
- [State Street AI strategy](https://www.bankingnewsai.com/banks/state-street) ([markdown](https://www.bankingnewsai.com/banks/state-street.md)): AI as the engine of a $1 billion productivity program on a custody-and-data platform — disclosed in targets more than in tools.
- [TD Bank (U.S.) AI strategy](https://www.bankingnewsai.com/banks/td-bank-us) ([markdown](https://www.bankingnewsai.com/banks/td-bank-us.md)): An in-house lab (Layer 6), a proprietary foundation model, and a dollar target for AI value — under a US asset cap that makes efficiency…
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) ([markdown](https://www.bankingnewsai.com/banks/fifth-third.md)): 'Enterprise-viable' AI: an award-winning chatbot, an AI-native app interface, agentic payments via Brex, and MCP for embedded-finance…
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) ([markdown](https://www.bankingnewsai.com/banks/huntington.md)): The CFO owns the AI strategy: a return target on every use case, 50 agents in production, and a venture studio — all while doubling in size.
- [BMO (U.S.) AI strategy](https://www.bankingnewsai.com/banks/bmo-us) ([markdown](https://www.bankingnewsai.com/banks/bmo-us.md)): 96% employee adoption, a chief AI and quantum officer, an institute, and a stated refusal to use AI as a layoff tool — with underwriting…
- [First Citizens BancShares AI strategy](https://www.bankingnewsai.com/banks/first-citizens) ([markdown](https://www.bankingnewsai.com/banks/first-citizens.md)): Deliberately conservative: human in the loop, stability first, a frontier-AI fact sheet, with a new head of AI building out the program.
- [Citizens Financial Group AI strategy](https://www.bankingnewsai.com/banks/citizens) ([markdown](https://www.bankingnewsai.com/banks/citizens.md)): 'Reimagine the Bank': a $300 million, three-year AI-led overhaul with a $450 million payoff, on the first super-regional to move its whole…
- [American Express AI strategy](https://www.bankingnewsai.com/banks/american-express) ([markdown](https://www.bankingnewsai.com/banks/american-express.md)): Agentic commerce as the next 'accelerant': a developer kit, purchase protection for AI agents, an agentic-expense acquisition — and jobs…
- [M&T Bank AI strategy](https://www.bankingnewsai.com/banks/mt-bank) ([markdown](https://www.bankingnewsai.com/banks/mt-bank.md)): 'Safety first' and data-lineage first: a Buffalo tech hub, Copilot for 16,000 staff, a second-line AI risk function — and a CEO who says…
- [KeyCorp (KeyBank) AI strategy](https://www.bankingnewsai.com/banks/keybank) ([markdown](https://www.bankingnewsai.com/banks/keybank.md)): A self-described 'fast follower': AI in the call centre at 25 cents a call, Personetics-powered insights in the app, and a CRO who says the…
- [Ally Financial AI strategy](https://www.bankingnewsai.com/banks/ally) ([markdown](https://www.bankingnewsai.com/banks/ally.md)): The all-digital bank built its own gen-AI platform in 2023, put it in every employee's hands in 2025, and now uses AI 'personas' to test…
- [Northern Trust AI strategy](https://www.bankingnewsai.com/banks/northern-trust) ([markdown](https://www.bankingnewsai.com/banks/northern-trust.md)): A custody-and-wealth bank that talks about AI as data plumbing for an 'agentic future', and whose family-office clients now arrive having…
- [HSBC USA AI strategy](https://www.bankingnewsai.com/banks/hsbc-usa) ([markdown](https://www.bankingnewsai.com/banks/hsbc-usa.md)): The US arm of a group whose CEO calls generative AI its biggest technology investment, with a chief AI officer since April 2026, a Google…
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) ([markdown](https://www.bankingnewsai.com/banks/regions.md)): A core-replacement bank that reports AI as productivity arithmetic: 35% of new business opportunities and a 20% banker productivity lift,…
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) ([markdown](https://www.bankingnewsai.com/banks/pinnacle.md)): A relationship bank that has just doubled through a merger of equals, with a head of AI, an AI policy and a few disclosed AI counts; its…
- [UBS (US) AI strategy](https://www.bankingnewsai.com/banks/ubs-usa) ([markdown](https://www.bankingnewsai.com/banks/ubs-usa.md)): A Swiss wealth manager with a chief AI officer, 560 live use cases and a single AI platform, whose US bank is a wealth-management balance…
- [Santander US AI strategy](https://www.bankingnewsai.com/banks/santander-us) ([markdown](https://www.bankingnewsai.com/banks/santander-us.md)): A Spanish group that has put a €1 billion price on AI by 2028 and just bought Webster to become a top-20 US bank — with Openbank, agentic…
- [City National Bank (RBC) AI strategy](https://www.bankingnewsai.com/banks/city-national) ([markdown](https://www.bankingnewsai.com/banks/city-national.md)): A turnaround bank inside one of the most AI-invested parents in banking: RBC targets $700 million to $1 billion of value from AI by 2027,…
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) ([markdown](https://www.bankingnewsai.com/banks/western-alliance.md)): A specialised commercial bank whose most concrete AI is defensive: machine-learning fraud screening that blocked 723 million bogus…
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) ([markdown](https://www.bankingnewsai.com/banks/zions.md)): The regional that finished a decade-long core replacement first — 56% of staff on generative AI, a Gemini-based enterprise platform, and a…
- [Flagstar Bank AI strategy](https://www.bankingnewsai.com/banks/flagstar) ([markdown](https://www.bankingnewsai.com/banks/flagstar.md)): Two years after nearly failing, the former New York Community Bank has trademarked its technology platform and patented a multi-model AI…
- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) ([markdown](https://www.bankingnewsai.com/banks/webster.md)): A Northeast commercial bank that spent 2025 building data, cyber and risk infrastructure for the $100 billion line — and then became the…
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) ([markdown](https://www.bankingnewsai.com/banks/first-horizon.md)): 'Let's not try to boil the ocean': an in-house gen-AI tool in production for over a year, an enterprise data hub with a data marketplace,…
- [East West Bancorp AI strategy](https://www.bankingnewsai.com/banks/east-west) ([markdown](https://www.bankingnewsai.com/banks/east-west.md)): One of the best-performing banks over $50 billion, with record profits four years running — and almost nothing public about AI beyond an…
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) ([markdown](https://www.bankingnewsai.com/banks/old-national.md)): A Midwest acquirer that has doubled in five years and now talks about AI the way it talks about payments plumbing: agentic dispute…
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) ([markdown](https://www.bankingnewsai.com/banks/umb.md)): A consolidator that just absorbed Heartland Financial, whose technology chief owns product and operations together — and whose only public…
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) ([markdown](https://www.bankingnewsai.com/banks/southstate.md)): A Southeast-to-Texas bank that runs AI adoption as change management: 95% of licensed staff active on Copilot, 200,000 prompts a month, and…
- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) ([markdown](https://www.bankingnewsai.com/banks/columbia.md)): The West Coast's serial acquirer has finished its conversions and stopped buying — its AI record is operational (AI in the Pacific Premier…
- [CIBC Bank USA AI strategy](https://www.bankingnewsai.com/banks/cibc-us) ([markdown](https://www.bankingnewsai.com/banks/cibc-us.md)): A Chicago commercial bank inside a Canadian group that built its own gen-AI platform, counts 1.2 million hours saved in a quarter, and has…
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) ([markdown](https://www.bankingnewsai.com/banks/valley.md)): A midsize bank that says AI has flipped build-versus-buy: three vendor contracts already replaced, five tiers of AI access, a head of AI…
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) ([markdown](https://www.bankingnewsai.com/banks/bok-financial.md)): A data-first rebuild under a new chief data and analytics officer, with AI discussed publicly mostly through the bank's own journalism on…
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) ([markdown](https://www.bankingnewsai.com/banks/frost.md)): A Texas-only, build-not-buy bank that talks about AI as a way to make its mobile app simpler and its account opening faster, and has kept…
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) ([markdown](https://www.bankingnewsai.com/banks/fnb.md)): A $50 billion bank whose CEO argues smaller banks will out-innovate the megabanks, built on a decade-old proprietary digital platform, an…
- [SoFi Technologies AI strategy](https://www.bankingnewsai.com/banks/sofi) ([markdown](https://www.bankingnewsai.com/banks/sofi.md)): A branchless national bank shipping consumer-facing AI faster than any large incumbent: Cash Coach, SoFi Coach and the acquired Composer…
- [EverBank Financial Corp AI strategy](https://www.bankingnewsai.com/banks/everbank) ([markdown](https://www.bankingnewsai.com/banks/everbank.md)): An online-banking pioneer under private-equity ownership that has said almost nothing public about AI while rebuilding its branch and…
- [Barclays US Consumer Bank AI strategy](https://www.bankingnewsai.com/banks/barclays-us) ([markdown](https://www.bankingnewsai.com/banks/barclays-us.md)): A co-brand credit-card issuer that has put generative AI into its contact centres at scale (eight million call summaries in four months)…
- [Raymond James Financial AI strategy](https://www.bankingnewsai.com/banks/raymond-james) ([markdown](https://www.bankingnewsai.com/banks/raymond-james.md)): An advisor-centric wealth manager with a chief AI officer, a head of AI strategy, a $975 million technology budget and a proprietary gen-AI…
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) ([markdown](https://www.bankingnewsai.com/banks/associated.md)): Wisconsin's largest bank is organising for AI line by line: a senior director of AI for commercial banking hired from U.S.
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) ([markdown](https://www.bankingnewsai.com/banks/prosperity.md)): A serial Texas acquirer that spent 2026 on a real-time core conversion and three bank integrations, and has said nothing public about AI…
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) ([markdown](https://www.bankingnewsai.com/banks/bank-ozk.md)): A construction and commercial real estate lender that meets AI mainly as tenant demand for the buildings it finances; its own filings name…
- [Deutsche Bank (U.S.) AI strategy](https://www.bankingnewsai.com/banks/deutsche-bank-us) ([markdown](https://www.bankingnewsai.com/banks/deutsche-bank-us.md)): A Frankfurt-run AI programme with hard 2028 targets, applied in the US mainly through corporate-bank credit processes and trust-and-agency…
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) ([markdown](https://www.bankingnewsai.com/banks/atlantic-union.md)): A $37 billion Mid-Atlantic bank whose CIO calls it innovation 'with a little i': automate what you already have, which is how it converted…
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) ([markdown](https://www.bankingnewsai.com/banks/commerce.md)): A family-led Missouri bank that has put AI inside an enterprise data strategy with a written roadmap, offers AI-driven receivables…
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) ([markdown](https://www.bankingnewsai.com/banks/hancock-whitney.md)): A Gulf South bank with a customer base averaging 65 years old that is modernising its digital channels with MX and has bought into Orlando;…
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) ([markdown](https://www.bankingnewsai.com/banks/bankunited.md)): A Florida commercial bank that positions security as the reason small businesses switch banks, publishes a steady stream of AI-fraud…
- [First National Bank of Omaha (FNBO) AI strategy](https://www.bankingnewsai.com/banks/fnbo) ([markdown](https://www.bankingnewsai.com/banks/fnbo.md)): A 168-year-old family-owned bank that put AI agents into financial-crime investigations before most public banks its size, cutting time per…
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) ([markdown](https://www.bankingnewsai.com/banks/banc-of-california.md)): Los Angeles' largest independent bank, nearly three years past the PacWest merger, is betting on payments, in a market the Los Angeles…
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) ([markdown](https://www.bankingnewsai.com/banks/united-bankshares.md)): A 187-year-old Mid-Atlantic and Southeast bank posting record earnings with a 'consistent and disciplined' management style, and no public…
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) ([markdown](https://www.bankingnewsai.com/banks/texas-capital.md)): A rebuilt Dallas bank that now runs on a cloud-native platform, has just hired a chief digital and information officer with AI enablement…
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) ([markdown](https://www.bankingnewsai.com/banks/fulton.md)): A $34 billion Mid-Atlantic community-banking group that converted a struggling New Jersey acquisition onto its platforms about three months…
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) ([markdown](https://www.bankingnewsai.com/banks/glacier.md)): A serial acquirer that runs 18 locally branded divisions on one Montana charter, posting record earnings after two 2025 deals, with no…
- [Eastern Bankshares AI strategy](https://www.bankingnewsai.com/banks/eastern) ([markdown](https://www.bankingnewsai.com/banks/eastern.md)): Greater Boston's largest local bank, fresh from the HarborOne integration and an activist-driven retreat from M&A, with a chief digital…
- [Axos Financial AI strategy](https://www.bankingnewsai.com/banks/axos) ([markdown](https://www.bankingnewsai.com/banks/axos.md)): A branchless, proprietary-technology bank that now writes 90% of its committed code with AI, has more than 500 staff on an enterprise AI…
- [SLM Corporation (Sallie Mae) AI strategy](https://www.bankingnewsai.com/banks/sallie-mae) ([markdown](https://www.bankingnewsai.com/banks/sallie-mae.md)): The largest private student lender hired a Bank of America data-and-analytics technology head to run a data-first transformation, uses AI…
- [City National Bank of Florida AI strategy](https://www.bankingnewsai.com/banks/city-national-florida) ([markdown](https://www.bankingnewsai.com/banks/city-national-florida.md)): Florida's second-largest bank, owned by Chile's Bci, has consolidated 800 Miami staff into one headquarters and is pushing north to Orlando…
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) ([markdown](https://www.bankingnewsai.com/banks/united-community.md)): The Southeast's most-awarded bank for customer satisfaction has a CEO who says AI 'will have a positive impact on our business', credits it…
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) ([markdown](https://www.bankingnewsai.com/banks/arvest.md)): The Walton family's private bank is several years into a core and cloud modernisation, hired a Synovus technology chief with an AI-strategy…
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) ([markdown](https://www.bankingnewsai.com/banks/ameris.md)): A Southeastern bank whose CEO calls AI 'more of an evolution than a revolution', aimed at building capacity in high-volume processes rather…
- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) ([markdown](https://www.bankingnewsai.com/banks/wafd.md)): A former thrift fifteen years into becoming a commercial bank, whose 'Build 2030' plan puts a data-driven 'digital focus' alongside deposit…
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) ([markdown](https://www.bankingnewsai.com/banks/wesbanco.md)): A $28 billion regional bank that completed the largest acquisition and conversion in its history (Premier Financial, 2025), is closing…
- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) ([markdown](https://www.bankingnewsai.com/banks/renasant.md)): A Mississippi bank of more than 120 years that doubled down on the Southeast by absorbing The First Bancshares, hit the profitability goals…
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) ([markdown](https://www.bankingnewsai.com/banks/first-interstate.md)): A Rocky Mountain bank deliberately shrinking after a decade of acquisitions, whose CEO is consolidating data into 'one clean source' to…
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) ([markdown](https://www.bankingnewsai.com/banks/customers.md)): The most aggressive AI adopter in the rank-51-to-100 group: a multiyear collaboration that embeds OpenAI engineers on site, a stated 2026…
- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) ([markdown](https://www.bankingnewsai.com/banks/rockland-trust.md)): A Boston-area bank that stood up an Office of Digital Innovation and an AI governance framework by early 2026 to gate AI spending on use…
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) ([markdown](https://www.bankingnewsai.com/banks/simmons.md)): A Mid-South acquirer turned organic grower under a new CEO, with a chief information officer, a newly hired chief technology officer and a…
- [First Hawaiian, Inc. AI strategy](https://www.bankingnewsai.com/banks/first-hawaiian) ([markdown](https://www.bankingnewsai.com/banks/first-hawaiian.md)): Hawaii's oldest bank has put its AI programme under a newly promoted digital-banking executive and is about to add 68 California branches…
- [Cathay General Bancorp AI strategy](https://www.bankingnewsai.com/banks/cathay) ([markdown](https://www.bankingnewsai.com/banks/cathay.md)): The largest Chinese-American bank in the US runs one of the sector's lowest efficiency ratios and a widening net interest margin, with a…
- [Bank of Hawaii Corporation AI strategy](https://www.bankingnewsai.com/banks/bank-of-hawaii) ([markdown](https://www.bankingnewsai.com/banks/bank-of-hawaii.md)): Hawaii's second-largest bank introduced generative AI tools in 2025 under a retiring CEO who called AI 'a dramatic, technological,…
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) ([markdown](https://www.bankingnewsai.com/banks/home-bancshares.md)): One of the most profitable banks in the country, run by a founder-chairman who talks about deals and discipline rather than technology,…
- [First Financial Bancorp AI strategy](https://www.bankingnewsai.com/banks/first-financial-ohio) ([markdown](https://www.bankingnewsai.com/banks/first-financial-ohio.md)): A 163-year-old Cincinnati acquirer that struck three deals in 13 months and converted two of them inside a year, whose technology record is…
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) ([markdown](https://www.bankingnewsai.com/banks/townebank.md)): A relationship bank that completed three acquisitions between April 2025 and January 2026, hired WesBanco's former CIO to run technology,…
- [Beacon Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/beacon) ([markdown](https://www.bankingnewsai.com/banks/beacon.md)): A one-year-old New England regional formed by the Berkshire Hills and Brookline merger of equals, through its core conversion and rebrand,…
- [Mechanics Bancorp AI strategy](https://www.bankingnewsai.com/banks/mechanics) ([markdown](https://www.bankingnewsai.com/banks/mechanics.md)): A private-equity-controlled West Coast bank that absorbed HomeStreet through a reverse merger, converted its systems in March 2026 and sold…
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) ([markdown](https://www.bankingnewsai.com/banks/seacoast.md)): Florida's sixth-largest bank runs agentic AI in its dispute operations, publishes a machine-readable 'AI information' page for language…
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) ([markdown](https://www.bankingnewsai.com/banks/first-merchants.md)): Central Indiana's largest bank holding company converted its Louisville-area acquisition in May 2026, describes its edge as 'modern…
- [Optum Bank (UnitedHealth Group) AI strategy](https://www.bankingnewsai.com/banks/optum-bank) ([markdown](https://www.bankingnewsai.com/banks/optum-bank.md)): The health-savings-account bank inside UnitedHealth Group sits within one of the most aggressive enterprise AI programmes in the Fortune…
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) ([markdown](https://www.bankingnewsai.com/banks/central-bancompany.md)): A 124-year-old Missouri bank that went public in November 2025 to fund an acquisition, employs about 65 in-house programmers and designers,…
- [Merchants Bancorp AI strategy](https://www.bankingnewsai.com/banks/merchants-indiana) ([markdown](https://www.bankingnewsai.com/banks/merchants-indiana.md)): A multifamily and mortgage-warehouse specialist posting record assets and tangible book value for a 30th straight quarter, whose…
- [Stifel Financial (Stifel Bank & Trust) AI strategy](https://www.bankingnewsai.com/banks/stifel-bank) ([markdown](https://www.bankingnewsai.com/banks/stifel-bank.md)): The bank inside a $580 billion-client-asset wealth and investment-banking firm whose CEO argues AI 'only increases the value of judgment,…
- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) ([markdown](https://www.bankingnewsai.com/banks/trustmark.md)): A Mississippi bank that just replaced a 45-year-old core deposit system with 'state-of-the-art platforms', freeing management to 'turn our…
- [Hope Bancorp (Bank of Hope) AI strategy](https://www.bankingnewsai.com/banks/bank-of-hope) ([markdown](https://www.bankingnewsai.com/banks/bank-of-hope.md)): The largest Korean-American bank is rebuilding profitability through acquisitions in Hawaii and Japanese-corporate banking, balancing…
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) ([markdown](https://www.bankingnewsai.com/banks/servisfirst.md)): A branch-light commercial bank with an efficiency ratio under 30% and a stated model of 'loan making and deposit taking', which broke its…
- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) ([markdown](https://www.bankingnewsai.com/banks/busey.md)): A year after the CrossFirst acquisition lifted it to about $20 billion of combined assets, Busey, which already answers most contact-centre…
- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) ([markdown](https://www.bankingnewsai.com/banks/community-bank-na.md)): A diversified upstate New York bank, benefits administrator, wealth manager and insurer whose CEO counts 'more than a dozen people' on AI…
- [Enterprise Financial Services Corp AI strategy](https://www.bankingnewsai.com/banks/enterprise-bank) ([markdown](https://www.bankingnewsai.com/banks/enterprise-bank.md)): A St.
- [FB Financial Corporation (FirstBank) AI strategy](https://www.bankingnewsai.com/banks/fb-financial) ([markdown](https://www.bankingnewsai.com/banks/fb-financial.md)): Nashville's FirstBank pairs 'the latest in financial products and capabilities with a century of hometown heart', ranks first in J.D.
- [First United Bank & Trust (Spend Life Wisely Company) AI strategy](https://www.bankingnewsai.com/banks/first-united) ([markdown](https://www.bankingnewsai.com/banks/first-united.md)): A family-controlled, purpose-driven Oklahoma and Texas bank whose transformation leader wants technology to be 'an enterprise capability'…
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) ([markdown](https://www.bankingnewsai.com/banks/banner.md)): A 135-year-old Northwest bank investing in 'digital platforms and AI capabilities', including a new loan and deposit origination system and…
- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) ([markdown](https://www.bankingnewsai.com/banks/synchrony.md)): A private-label and co-brand card lender that has put AI tools in nearly every professional's hands, hired a chief AI officer in June 2026…
- [USAA Federal Savings Bank AI strategy](https://www.bankingnewsai.com/banks/usaa) ([markdown](https://www.bankingnewsai.com/banks/usaa.md)): A member-owned military financial group whose AI record is mostly about the parent: hundreds of deployed AI solutions, an enterprise gen-AI…
- [Popular, Inc. AI strategy](https://www.bankingnewsai.com/banks/popular) ([markdown](https://www.bankingnewsai.com/banks/popular.md)): Puerto Rico's largest bank talks about technology as digital origination, an ERP move to the cloud and branch modernisation; its public AI…
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) ([markdown](https://www.bankingnewsai.com/banks/wintrust.md)): A Chicago-area multi-charter bank group whose CEO says it put AI governance first, is 'in the early stages', and already runs dozens of…
- [OceanFirst Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/oceanfirst) ([markdown](https://www.bankingnewsai.com/banks/oceanfirst.md)): A regional bank that treats AI as an operating-leverage programme: Copilot in every department, a Databricks data layer, a governed…
- [CVB Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/cvb-financial) ([markdown](https://www.bankingnewsai.com/banks/cvb-financial.md)): A conservative California commercial bank whose public AI record is a policy framework, an AI Governance Council and 'selective and…
- [NBT Bancorp AI strategy](https://www.bankingnewsai.com/banks/nbt) ([markdown](https://www.bankingnewsai.com/banks/nbt.md)): A seven-state community bank that says AI 'is not new to NBT' and embeds it through its existing development lifecycle and model…
- [Live Oak Bancshares AI strategy](https://www.bankingnewsai.com/banks/live-oak) ([markdown](https://www.bankingnewsai.com/banks/live-oak.md)): The largest SBA 7(a) lender by dollar volume, co-designing an AI-native loan origination platform with Casca and telling investors its AI…
- [FirstSun Capital Bancorp AI strategy](https://www.bankingnewsai.com/banks/firstsun) ([markdown](https://www.bankingnewsai.com/banks/firstsun.md)): A Denver commercial bank absorbing the First Foundation merger; it has not disclosed an AI programme, and its 10-K treats AI as a…
- [Nicolet Bankshares AI strategy](https://www.bankingnewsai.com/banks/nicolet) ([markdown](https://www.bankingnewsai.com/banks/nicolet.md)): A Green Bay community bank that doubled in size by buying MidWestOne in February 2026; it has not disclosed an AI programme and treats AI…
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) ([markdown](https://www.bankingnewsai.com/banks/first-financial-bankshares.md)): A Texas-only community bank with its own technology subsidiary that has not disclosed an AI programme; its 10-K mentions AI only as an…
- [Dime Commercial Bancshares AI strategy](https://www.bankingnewsai.com/banks/dime) ([markdown](https://www.bankingnewsai.com/banks/dime.md)): A Long Island bank remaking itself as a commercial lender, whose one disclosed AI deployment is in compliance: Quantifind's AI for…
- [ConnectOne Bancorp AI strategy](https://www.bankingnewsai.com/banks/connectone) ([markdown](https://www.bankingnewsai.com/banks/connectone.md)): A New Jersey commercial bank that runs its lending on nCino and is building custom AI agents there, with the stated aim of making every…
- [Bread Financial Holdings AI strategy](https://www.bankingnewsai.com/banks/bread-financial) ([markdown](https://www.bankingnewsai.com/banks/bread-financial.md)): A private-label and co-brand card issuer that treats AI as operational-excellence spend: 200-plus machine-learning models, an in-house…
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) ([markdown](https://www.bankingnewsai.com/banks/bancfirst.md)): An Oklahoma community-bank consolidator whose 10-K says its use of AI 'is not material to us at this time' but is expected to grow, while…
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) ([markdown](https://www.bankingnewsai.com/banks/hilltop.md)): A Dallas holding company (bank, mortgage lender, broker-dealer) whose AI record is generic risk disclosure plus PrimeLending's 'MoBots' and…
- [Park National Corporation AI strategy](https://www.bankingnewsai.com/banks/park-national) ([markdown](https://www.bankingnewsai.com/banks/park-national.md)): A relationship-banking Ohio holding company that treats AI as 'a tool', not a strategy: an AI-powered Auto-Coach for bankers, no AI in its…
- [National Bank Holdings Corporation AI strategy](https://www.bankingnewsai.com/banks/national-bank-holdings) ([markdown](https://www.bankingnewsai.com/banks/national-bank-holdings.md)): A Colorado-based regional bank, now $12.5 billion after buying Vista Bank, whose technology story is 2UniFi, a digital small-business…
- [First Commonwealth Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/first-commonwealth) ([markdown](https://www.bankingnewsai.com/banks/first-commonwealth.md)): A Pennsylvania and Ohio regional bank that says it is 'on our front foot' with technology and gives one concrete AI example, a…
- [The Bancorp, Inc. AI strategy](https://www.bankingnewsai.com/banks/the-bancorp) ([markdown](https://www.bankingnewsai.com/banks/the-bancorp.md)): A fintech-sponsor bank that writes AI into its strategy as an efficiency lever: AI tools to handle rising payment volume without matching…
- [Capital One, deeper](https://www.bankingnewsai.com/banks/capital-one): Five topic pages under the Capital One profile, every claim sourced
- [How does Capital One use AI in auto finance?](https://www.bankingnewsai.com/banks/capital-one/auto-finance-ai): How Capital One Auto uses AI: Auto Navigator, Navigator Platform, Chat Concierge agents, ProtectID fraud screening, reported results and fairness.
- [What is Capital One's approach to responsible AI?](https://www.bankingnewsai.com/banks/capital-one/responsible-ai): Capital One responsible AI on the record: 2018 fairness position, Senate testimony, model-risk governance, training-data disclosure, funded centers.
- [What AI research, patents and partnerships does Capital One have?](https://www.bankingnewsai.com/banks/capital-one/ai-research-patents-partnerships): Capital One AI patents and research: 472 AI patents granted in 2024, LLM and agent filings, university centers, NSF, model providers, Ventures stakes.
- [What is Capital One's virtual assistant and how does it compare with other banks'?](https://www.bankingnewsai.com/banks/capital-one/virtual-assistant): What Eno does and how it was built, with a sourced feature comparison against BofA's Erica, Wells Fargo's Fargo and NatWest's Cora, plus Chat Concierge.
- [What is Capital One's technology stack?](https://www.bankingnewsai.com/banks/capital-one/technology-stack): Capital One's stack on the record: the 2020 exit from eight data centers to AWS, serverless engineering, Snowflake and Databricks, 14,000+ technologists.
- [AI strategy of major non-US banking groups](https://www.bankingnewsai.com/banks#global): 20 global banks on the same template, assets as each group reports them
- [HSBC AI strategy](https://www.bankingnewsai.com/banks/hsbc) ([markdown](https://www.bankingnewsai.com/banks/hsbc.md)): A G-SIB that says generative AI is where its biggest new technology investment goes, with a chief AI officer since April 2026, Mistral and…
- [Barclays PLC AI strategy](https://www.bankingnewsai.com/banks/barclays) ([markdown](https://www.bankingnewsai.com/banks/barclays.md)): A UK universal bank that has put AI inside a stated cost-and-returns plan: Copilot for nearly all staff, Claude for engineers and markets…
- [BNP Paribas SA AI strategy](https://www.bankingnewsai.com/banks/bnp-paribas) ([markdown](https://www.bankingnewsai.com/banks/bnp-paribas.md)): A multi-model, multi-cloud AI bank: its own LLM-as-a-Service platform, Mistral AI as the European partner, Google Cloud for agentic AI, and…
- [Banco Santander AI strategy](https://www.bankingnewsai.com/banks/santander) ([markdown](https://www.bankingnewsai.com/banks/santander.md)): A 'data & AI-first' bank that has put a number on AI (more than EUR 1bn of business value a year by 2028, EUR 84m booked in the first half…
- [UBS Group AG AI strategy](https://www.bankingnewsai.com/banks/ubs) ([markdown](https://www.bankingnewsai.com/banks/ubs.md)): A Swiss wealth manager that runs AI through a Chief AI Office hired out of J.P.
- [Deutsche Bank AI strategy](https://www.bankingnewsai.com/banks/deutsche-bank) ([markdown](https://www.bankingnewsai.com/banks/deutsche-bank.md)): Germany's largest bank, building its AI programme on a Google Cloud foundation: a bank-wide dbLumina assistant, agentic tools in KYC,…
- [ING Groep N.V. AI strategy](https://www.bankingnewsai.com/banks/ing) ([markdown](https://www.bankingnewsai.com/banks/ing.md)): A digital-first bank that centralises AI on one platform and a few priority domains, puts agentic AI into mortgages, and attaches a…
- [DBS Group Holdings AI strategy](https://www.bankingnewsai.com/banks/dbs) ([markdown](https://www.bankingnewsai.com/banks/dbs.md)): Southeast Asia's largest bank, which began disclosing the economic value of its AI in 2021 (about SGD 1 billion in 2025), runs DBS-GPT for…
- [Royal Bank of Canada AI strategy](https://www.bankingnewsai.com/banks/rbc) ([markdown](https://www.bankingnewsai.com/banks/rbc.md)): A top-three bank worldwide on the Evident AI Index five years running (2026 edition published 6 October 2026), with its own research…
- [The Toronto-Dominion Bank (TD Bank Group) AI strategy](https://www.bankingnewsai.com/banks/td-bank-group) ([markdown](https://www.bankingnewsai.com/banks/td-bank-group.md)): A group-level AI programme run from Toronto around Layer 6, its in-house AI lab, with a C$1 billion annual AI value target (half revenue,…
- [Commonwealth Bank of Australia AI strategy](https://www.bankingnewsai.com/banks/commonwealth-bank) ([markdown](https://www.bankingnewsai.com/banks/commonwealth-bank.md)): Australia's largest bank has made AI a funded, measured programme: strategic partnerships with OpenAI, Anthropic (including an equity…
- [Lloyds Banking Group AI strategy](https://www.bankingnewsai.com/banks/lloyds) ([markdown](https://www.bankingnewsai.com/banks/lloyds.md)): The UK's largest digital bank, which reports a dollar value for AI (about £50 million in 2025, more than £100 million targeted for 2026),…
- [NatWest Group plc AI strategy](https://www.bankingnewsai.com/banks/natwest) ([markdown](https://www.bankingnewsai.com/banks/natwest.md)): A retail-led UK bank that treats AI as the engine of 'bank-wide simplification': an OpenAI partnership, AI tools for all 60,000 colleagues,…
- [BBVA AI strategy](https://www.bankingnewsai.com/banks/bbva) ([markdown](https://www.bankingnewsai.com/banks/bbva.md)): The most OpenAI-embedded large bank in Europe: ChatGPT Enterprise for the whole workforce, a shareholder stake in OpenAI's deployment…
- [Standard Chartered AI strategy](https://www.bankingnewsai.com/banks/standard-chartered) ([markdown](https://www.bankingnewsai.com/banks/standard-chartered.md)): A cross-border bank that has built one enterprise AI platform instead of publishing use-case counts, rolled out SC GPT and Copilot, and in…
- [The Bank of Nova Scotia (Scotiabank) AI strategy](https://www.bankingnewsai.com/banks/scotiabank) ([markdown](https://www.bankingnewsai.com/banks/scotiabank.md)): One enterprise AI platform, Scotia Intelligence, rolled out to more than 71,000 employees and built to be model-agnostic, with a board…
- [Bank of Montreal (BMO Financial Group) AI strategy](https://www.bankingnewsai.com/banks/bmo-group) ([markdown](https://www.bankingnewsai.com/banks/bmo-group.md)): A group-level AI programme run by a Chief AI & Quantum Officer and a new institute, with 95%-plus employee use, a Copilot-wide workforce…
- [Société Générale AI strategy](https://www.bankingnewsai.com/banks/societe-generale) ([markdown](https://www.bankingnewsai.com/banks/societe-generale.md)): A cautious buyer rather than a builder: it scrapped its in-house SoGPT assistant for Microsoft Copilot, signed a strategic agreement with…
- [Mitsubishi UFJ Financial Group, Inc. AI strategy](https://www.bankingnewsai.com/banks/mufg) ([markdown](https://www.bankingnewsai.com/banks/mufg.md)): Japan's largest bank group has made 'AI-native company' a pillar of its medium-term plan: ChatGPT Enterprise for about 35,000 MUFG Bank…
- [Oversea-Chinese Banking Corporation AI strategy](https://www.bankingnewsai.com/banks/ocbc) ([markdown](https://www.bankingnewsai.com/banks/ocbc.md)): Singapore's second-largest bank puts AI at the centre of its 'Next Frontier' strategy: an AI-native wealth app with avatars, agentic KYC…
- [AI strategy of fintechs and neobanks](https://www.bankingnewsai.com/fintech) ([markdown](https://www.bankingnewsai.com/fintech.md)): Company-by-company pages on fintechs and neobanks (assistants, agents, fraud models, headcount, leaders, licences and regulators), same format as the bank pages, every claim sourced
- [Nubank (Nu Holdings) AI strategy](https://www.bankingnewsai.com/fintech/nubank) ([markdown](https://www.bankingnewsai.com/fintech/nubank.md)): Build in-house: a proprietary transaction foundation model (nuFormer) at the centre of underwriting, support and growth decisions, stated…
- [Revolut AI strategy](https://www.bankingnewsai.com/fintech/revolut) ([markdown](https://www.bankingnewsai.com/fintech/revolut.md)): Build, don't bolt on: an in-house research division trains a transaction foundation model that is meant to feed the assistant, fraud and…
- [Chime AI strategy](https://www.bankingnewsai.com/fintech/chime) ([markdown](https://www.bankingnewsai.com/fintech/chime.md)): AI on a proprietary core: Chime runs AI through ChimeCore, its own processor and ledger, first to automate support and engineering, then to…
- [Monzo AI strategy](https://www.bankingnewsai.com/fintech/monzo) ([markdown](https://www.bankingnewsai.com/fintech/monzo.md)): Build in-house, vendor-neutral: Monzo builds its own LLM agents for support, fraud and engineering on an internal AI gateway that connects…
- [Starling Bank AI strategy](https://www.bankingnewsai.com/fintech/starling) ([markdown](https://www.bankingnewsai.com/fintech/starling.md)): Gemini inside a proprietary stack: Starling builds customer-facing AI tools on its own banking platform using Google Gemini on Google…
- [Dave AI strategy](https://www.bankingnewsai.com/fintech/dave) ([markdown](https://www.bankingnewsai.com/fintech/dave.md)): Underwriting is the product: a proprietary cash-flow model (CashAI) sets every ExtraCash limit without a credit score, a vendor-built…
- [Varo Bank AI strategy](https://www.bankingnewsai.com/fintech/varo) ([markdown](https://www.bankingnewsai.com/fintech/varo.md)): A chartered neobank betting that machine-learning underwriting on its own deposit data, run under a national bank's governance, can turn a…
- [MoneyLion AI strategy](https://www.bankingnewsai.com/fintech/moneylion) ([markdown](https://www.bankingnewsai.com/fintech/moneylion.md)): A data-and-matching business more than a bank: 26 machine-learning models turn linked bank accounts into personalised offers through the…
- [N26 AI strategy](https://www.bankingnewsai.com/fintech/n26) ([markdown](https://www.bankingnewsai.com/fintech/n26.md)): Back-office first: Anthropic's Claude on AWS Bedrock automates document-heavy service and financial-crime work, while a second BaFin…
- [bunq AI strategy](https://www.bankingnewsai.com/fintech/bunq) ([markdown](https://www.bankingnewsai.com/fintech/bunq.md)): Customer-facing first: an in-house GenAI assistant, Finn, built on Claude via Amazon Bedrock, carries 97% of support and is the company's…
- [OakNorth AI strategy](https://www.bankingnewsai.com/fintech/oaknorth) ([markdown](https://www.bankingnewsai.com/fintech/oaknorth.md)): Credit-model first: a decade of in-house machine-learning underwriting through sister company ONCI, a 2025 OpenAI collaboration for GPT…
- [Affirm AI strategy](https://www.bankingnewsai.com/fintech/affirm) ([markdown](https://www.bankingnewsai.com/fintech/affirm.md)): In-house machine learning that underwrites every purchase in real time, now on a transformer model, plus an engineering organisation…
- [Klarna AI strategy](https://www.bankingnewsai.com/fintech/klarna) ([markdown](https://www.bankingnewsai.com/fintech/klarna.md)): AI first, then a correction: an OpenAI-built assistant and a hiring freeze shrank headcount by about 40%, human agents came back, and AI…
- [Happen Bank (formerly LendingClub) AI strategy](https://www.bankingnewsai.com/fintech/lendingclub) ([markdown](https://www.bankingnewsai.com/fintech/lendingclub.md)): A marketplace lender turned bank that treats AI as an operating-efficiency lever: machine-learning underwriting at the core, then AI…
- [Upstart AI strategy](https://www.bankingnewsai.com/fintech/upstart) ([markdown](https://www.bankingnewsai.com/fintech/upstart.md)): An AI underwriting company from the start: in-house credit models sold to banks and credit unions as a marketplace, now seeking its own…
- [Oportun AI strategy](https://www.bankingnewsai.com/fintech/oportun) ([markdown](https://www.bankingnewsai.com/fintech/oportun.md)): A lender built on automated underwriting of thin-file borrowers: no human underwriters, alternative data and a numbered model series (V12,…
- [PayPal AI strategy](https://www.bankingnewsai.com/fintech/paypal) ([markdown](https://www.bankingnewsai.com/fintech/paypal.md)): A payments incumbent in turnaround that uses long-standing AI for fraud and risk, is betting on agentic commerce across ChatGPT, Copilot,…
- [Block (Square, Cash App) AI strategy](https://www.bankingnewsai.com/fintech/block) ([markdown](https://www.bankingnewsai.com/fintech/block.md)): AI as the operating model: Block cut its workforce by more than 40% on 26 February 2026, from over 10,000 people to just under 6,000, to…
- [Stripe AI strategy](https://www.bankingnewsai.com/fintech/stripe) ([markdown](https://www.bankingnewsai.com/fintech/stripe.md)): AI as both engine and market: machine-learning models (now a payments foundation model) run fraud and authorization inside the network,…
- [Adyen AI strategy](https://www.bankingnewsai.com/fintech/adyen) ([markdown](https://www.bankingnewsai.com/fintech/adyen.md)): AI built into the payment rails: a single platform and in-house data feed Uplift's optimisation models and the Dynamic Identification trust…
- [Circle Internet Group AI strategy](https://www.bankingnewsai.com/fintech/circle) ([markdown](https://www.bankingnewsai.com/fintech/circle.md)): Agents as customers: Circle is positioning USDC, its Gateway nanopayments rail and the Arc blockchain as the money layer for AI agents,…
- [Wise AI strategy](https://www.bankingnewsai.com/fintech/wise) ([markdown](https://www.bankingnewsai.com/fintech/wise.md)): AI behind the counter, under compliance pressure: machine learning runs compliance checks and fraud alerts and LLM copilots support…
- [Remitly AI strategy](https://www.bankingnewsai.com/fintech/remitly) ([markdown](https://www.bankingnewsai.com/fintech/remitly.md)): AI as the cost lever of a remittance network: ML fraud scoring since 2017, an AI support assistant that most customers never escalate, and…
- [Toast AI strategy](https://www.bankingnewsai.com/fintech/toast) ([markdown](https://www.bankingnewsai.com/fintech/toast.md)): From restaurant software to an 'agent platform': Toast IQ, a conversational assistant built on POS and payments data from 180,000…
- [Checkout.com AI strategy](https://www.bankingnewsai.com/fintech/checkout-com) ([markdown](https://www.bankingnewsai.com/fintech/checkout-com.md)): Network-data first: an AI optimisation engine sold to merchants as a revenue line, then a multi-protocol bet on agentic commerce (OpenAI's…
- [Marqeta AI strategy](https://www.bankingnewsai.com/fintech/marqeta) ([markdown](https://www.bankingnewsai.com/fintech/marqeta.md)): AI at the authorisation decision and in the agent's hands: a machine-learning risk score inside Real-Time Decisioning, an MCP server so…
- [Visa AI strategy](https://www.bankingnewsai.com/fintech/visa) ([markdown](https://www.bankingnewsai.com/fintech/visa.md)): Network-as-infrastructure for AI agents: Visa uses AI to defend the network and sells AI fraud tools to banks, while opening its…
- [Mastercard AI strategy](https://www.bankingnewsai.com/fintech/mastercard) ([markdown](https://www.bankingnewsai.com/fintech/mastercard.md)): Trust layer for agent payments plus AI-powered services: Mastercard registers and tokenizes AI agents (Agent Pay), proves what a user…
- [Robinhood AI strategy](https://www.bankingnewsai.com/fintech/robinhood) ([markdown](https://www.bankingnewsai.com/fintech/robinhood.md)): AI as the interface to the brokerage: Robinhood Cortex answers and acts inside the app for Gold subscribers, while Agentic Trading opens…
- [Coinbase AI strategy](https://www.bankingnewsai.com/fintech/coinbase) ([markdown](https://www.bankingnewsai.com/fintech/coinbase.md)): AI-native by decree: a CEO who fired engineers for not onboarding AI tools, a 14% cut to 'rebuild Coinbase to be lean, fast, and…
- [Stash AI strategy](https://www.bankingnewsai.com/fintech/stash) ([markdown](https://www.bankingnewsai.com/fintech/stash.md)): A subscription investing app that rebuilt itself around a generative-AI adviser: Money Coach AI replaced human-scale advice for beginner…
- [Public AI strategy](https://www.bankingnewsai.com/fintech/public) ([markdown](https://www.bankingnewsai.com/fintech/public.md)): The self-described 'agentic brokerage': GPT-4-based research (Alpha, 2023), AI-built indexes (Generated Assets, 2025) and user-defined…
- [eToro AI strategy](https://www.bankingnewsai.com/fintech/etoro) ([markdown](https://www.bankingnewsai.com/fintech/etoro.md)): Agent-first retail brokerage: an AI companion (Tori) built on the trading data of 40 million registered users, user-connected AI agents…
- [Ramp AI strategy](https://www.bankingnewsai.com/fintech/ramp) ([markdown](https://www.bankingnewsai.com/fintech/ramp.md)): Agents across the finance back office, plus a new line in managing AI spending itself: Ramp sells agents for expense review, bills,…
- [Brex AI strategy](https://www.bankingnewsai.com/fintech/brex) ([markdown](https://www.bankingnewsai.com/fintech/brex.md)): Agentic spend management inside a bank: Brex sells AI agents that collect receipts, review, audit and book corporate expenses, and since…
- [Plaid AI strategy](https://www.bankingnewsai.com/fintech/plaid) ([markdown](https://www.bankingnewsai.com/fintech/plaid.md)): Data network turned AI layer: Plaid trains its own foundation models on transaction data from its account-connection network and sells the…
- [Navan AI strategy](https://www.bankingnewsai.com/fintech/navan) ([markdown](https://www.bankingnewsai.com/fintech/navan.md)): A travel-and-expense platform that treats AI as its operating model: Ava, an agent that handles about 60% of customer interactions on a…
- [Mercury AI strategy](https://www.bankingnewsai.com/fintech/mercury) ([markdown](https://www.bankingnewsai.com/fintech/mercury.md)): Governed agents inside the bank account: a natural-language assistant (Command) that proposes while the product enforces and the user…
- [Payoneer AI strategy](https://www.bankingnewsai.com/fintech/payoneer) ([markdown](https://www.bankingnewsai.com/fintech/payoneer.md)): Operations first: AI goes into fraud decisioning, compliance matching and internal workflows under an 'AI-native company' ambition, with…
- [Apex Fintech Solutions AI strategy](https://www.bankingnewsai.com/fintech/apex-fintech-solutions) ([markdown](https://www.bankingnewsai.com/fintech/apex-fintech-solutions.md)): AI for the people who integrate with it: a Vertex AI assistant and an Agentic Development Kit that let clients' engineers and non-engineers…
- [AI tools for banks](https://www.bankingnewsai.com/ai-tools) ([markdown](https://www.bankingnewsai.com/ai-tools.md)): A buyer's directory of AI software for banks by category — what each vendor sells, published pricing or "not published", ownership, and which of the 120 largest US banks are named as customers, sourced
- [AI fraud detection software for banks, compared](https://www.bankingnewsai.com/ai-tools/fraud-detection) ([markdown](https://www.bankingnewsai.com/ai-tools/fraud-detection.md)): Real-time scoring of payments, logins and applications for fraud and scams, including identity, behavioural-biometric and voice checks.
- [AI aml compliance software for banks, compared](https://www.bankingnewsai.com/ai-tools/aml-compliance) ([markdown](https://www.bankingnewsai.com/ai-tools/aml-compliance.md)): Transaction monitoring, screening, customer risk scoring and investigation tools for anti-money-laundering and financial-crime compliance.
- [AI credit decisioning software for banks, compared](https://www.bankingnewsai.com/ai-tools/credit-decisioning) ([markdown](https://www.bankingnewsai.com/ai-tools/credit-decisioning.md)): Machine-learning underwriting models and decision engines for consumer, card and small-business lending.
- [AI conversational ai software for banks, compared](https://www.bankingnewsai.com/ai-tools/conversational-ai) ([markdown](https://www.bankingnewsai.com/ai-tools/conversational-ai.md)): Digital assistants, chat and voice agents, and contact-centre AI for customer and member service.
- [AI document ai software for banks, compared](https://www.bankingnewsai.com/ai-tools/document-ai) ([markdown](https://www.bankingnewsai.com/ai-tools/document-ai.md)): Document intelligence and loan-operations automation: extracting, checking and spreading financial documents, closing and trust review.
- [AI enterprise ai assistants software for banks, compared](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants) ([markdown](https://www.bankingnewsai.com/ai-tools/enterprise-ai-assistants.md)): General-purpose LLM assistants and model platforms banks license for employees and developers: Copilot, ChatGPT Enterprise, Claude, Gemini,…
- [AI model risk and ai governance software for banks, compared](https://www.bankingnewsai.com/ai-tools/model-risk-governance) ([markdown](https://www.bankingnewsai.com/ai-tools/model-risk-governance.md)): Model inventory, validation, monitoring and AI governance tooling for model-risk and compliance teams.
- [AI banking platforms software for banks, compared](https://www.bankingnewsai.com/ai-tools/banking-platforms) ([markdown](https://www.bankingnewsai.com/ai-tools/banking-platforms.md)): AI built into core, digital-banking and loan-origination platforms from the providers banks already run on.
- [Feedzai for banks](https://www.bankingnewsai.com/vendors/feedzai) ([markdown](https://www.bankingnewsai.com/vendors/feedzai.md)): RiskOps platform for bank fraud, scam and AML prevention: transaction scoring, behavioral biometrics and network intelligence.
- [Featurespace for banks](https://www.bankingnewsai.com/vendors/featurespace) ([markdown](https://www.bankingnewsai.com/vendors/featurespace.md)): Real-time behavioral fraud and AML scoring for banks and processors (The Featurespace Platform, formerly ARIC Risk Hub); a Visa unit.
- [BioCatch for banks](https://www.bankingnewsai.com/vendors/biocatch) ([markdown](https://www.bankingnewsai.com/vendors/biocatch.md)): Behavioral-biometric and device intelligence that scores digital banking sessions for account takeover, scams, mules and application fraud.
- [Sardine for banks](https://www.bankingnewsai.com/vendors/sardine) ([markdown](https://www.bankingnewsai.com/vendors/sardine.md)): Fraud and AML platform: device and behavioral signals, transaction monitoring, sanctions screening and AI agents for alert review.
- [Socure for banks](https://www.bankingnewsai.com/vendors/socure) ([markdown](https://www.bankingnewsai.com/vendors/socure.md)): Identity verification, fraud scoring and watchlist screening for account opening and login, run on its RiskOS decisioning platform.
- [Alloy for banks](https://www.bankingnewsai.com/vendors/alloy) ([markdown](https://www.bankingnewsai.com/vendors/alloy.md)): Identity and fraud prevention platform: onboarding KYC/KYB, fraud and login risk scoring, AML monitoring and data orchestration.
- [Pindrop for banks](https://www.bankingnewsai.com/vendors/pindrop) ([markdown](https://www.bankingnewsai.com/vendors/pindrop.md)): Phone-channel fraud scoring, passive caller authentication and voice deepfake detection for bank contact centers.
- [NICE Actimize for banks](https://www.bankingnewsai.com/vendors/nice-actimize) ([markdown](https://www.bankingnewsai.com/vendors/nice-actimize.md)): Fraud, AML, sanctions screening, KYC, case management and trade surveillance software for banks, on X-Sight and Xceed platforms.
- [Hawk for banks](https://www.bankingnewsai.com/vendors/hawk) ([markdown](https://www.bankingnewsai.com/vendors/hawk.md)): AML transaction monitoring, sanctions and customer screening, fraud prevention and AI investigation agents for banks and payment firms.
- [Quantexa for banks](https://www.bankingnewsai.com/vendors/quantexa) ([markdown](https://www.bankingnewsai.com/vendors/quantexa.md)): Decision Intelligence platform: entity resolution and network analytics for AML, KYC and fraud; Cloud AML SaaS for US mid-size banks.
- [ComplyAdvantage for banks](https://www.bankingnewsai.com/vendors/comply-advantage) ([markdown](https://www.bankingnewsai.com/vendors/comply-advantage.md)): AML screening, monitoring and payment screening on its own risk data (sanctions, PEPs, adverse media), with AI agents for alert review.
- [Unit21 for banks](https://www.bankingnewsai.com/vendors/unit21) ([markdown](https://www.bankingnewsai.com/vendors/unit21.md)): Fraud and AML platform: transaction monitoring, screening, case management and SAR filing, with AI agents that run alert investigations.
- [SymphonyAI for banks](https://www.bankingnewsai.com/vendors/symphonyai) ([markdown](https://www.bankingnewsai.com/vendors/symphonyai.md)): Financial-crime software for banks: AML transaction monitoring, sanctions screening, KYC, payment fraud and AI investigation agents.
- [Zest AI for banks](https://www.bankingnewsai.com/vendors/zest-ai) ([markdown](https://www.bankingnewsai.com/vendors/zest-ai.md)): AI credit underwriting for banks and credit unions, plus fraud detection (Zest Protect) and gen-AI lending intelligence (LuLu).
- [Provenir for banks](https://www.bankingnewsai.com/vendors/provenir) ([markdown](https://www.bankingnewsai.com/vendors/provenir.md)): Cloud decisioning platform for credit risk, fraud and identity, with a data marketplace, case management and AI models.
- [FICO for banks](https://www.bankingnewsai.com/vendors/fico) ([markdown](https://www.bankingnewsai.com/vendors/fico.md)): FICO Platform decisioning and analytics software for origination, account management and fraud (Falcon), plus the FICO Score.
- [Scienaptic AI for banks](https://www.bankingnewsai.com/vendors/scienaptic) ([markdown](https://www.bankingnewsai.com/vendors/scienaptic.md)): AI credit-decisioning models and platform for consumer lending, mainly US credit unions, with fraud checks and an agentic AI layer (iCUE).
- [Taktile for banks](https://www.bankingnewsai.com/vendors/taktile) ([markdown](https://www.bankingnewsai.com/vendors/taktile.md)): Low-code decision engine and AI-agent platform for credit underwriting, onboarding, fraud and AML decisions at lenders and insurers.
- [Kasisto for banks](https://www.bankingnewsai.com/vendors/kasisto) ([markdown](https://www.bankingnewsai.com/vendors/kasisto.md)): Banking-specific conversational and agentic AI (KAI, KAIgentic, KaiGPT) for digital assistants and staff; part of Backbase since June 2026.
- [Glia for banks](https://www.bankingnewsai.com/vendors/glia) ([markdown](https://www.bankingnewsai.com/vendors/glia.md)): Contact-centre and AI platform for banks and credit unions: voice and digital AI agents, staff copilot, outbound AI and CRM.
- [interface.ai for banks](https://www.bankingnewsai.com/vendors/interface-ai) ([markdown](https://www.bankingnewsai.com/vendors/interface-ai.md)): Voice, chat and employee AI agents (BankGPT) and an agentic contact centre (Nexus) for credit unions and community banks.
- [Talkdesk for banks](https://www.bankingnewsai.com/vendors/talkdesk) ([markdown](https://www.bankingnewsai.com/vendors/talkdesk.md)): Cloud contact centre with AI agents (Autopilot, Copilot, voice biometrics) and a Financial Services Experience Cloud for banks.
- [Personetics for banks](https://www.bankingnewsai.com/vendors/personetics) ([markdown](https://www.bankingnewsai.com/vendors/personetics.md)): AI that turns bank transaction data into personalised insights, advice and offers in the bank's app, plus tools for relationship managers.
- [Eltropy for banks](https://www.bankingnewsai.com/vendors/eltropy) ([markdown](https://www.bankingnewsai.com/vendors/eltropy.md)): Texting, video, chat and AI voice and agent platform for credit unions and community banks, plus collections and payments tools.
- [Ocrolus for banks](https://www.bankingnewsai.com/vendors/ocrolus) ([markdown](https://www.bankingnewsai.com/vendors/ocrolus.md)): Classifies, extracts and checks lending documents (bank statements, pay stubs, tax forms) and returns cash-flow and income analytics.
- [Abrigo for banks](https://www.bankingnewsai.com/vendors/abrigo) ([markdown](https://www.bankingnewsai.com/vendors/abrigo.md)): Lending, loan review, CECL and AML software for US community and regional banks, with generative and agentic AI assistants added since 2025.
- [Snapdocs for banks](https://www.bankingnewsai.com/vendors/snapdocs) ([markdown](https://www.bankingnewsai.com/vendors/snapdocs.md)): Digital mortgage closing platform (eClosing, eVault, notary network) with AI quality control of closing and funding documents.
- [Covecta for banks](https://www.bankingnewsai.com/vendors/covecta) ([markdown](https://www.bankingnewsai.com/vendors/covecta.md)): Agentic AI for banks and lenders: pre-built agents that read documents, draft credit memos and run loan and deposit operations checks.
- [Vanilla for banks](https://www.bankingnewsai.com/vendors/vanilla) ([markdown](https://www.bankingnewsai.com/vendors/vanilla.md)): Estate planning platform for wealth advisors and trust companies that reads and summarizes wills and trusts with AI, citing the source page.
- [Blend for banks](https://www.bankingnewsai.com/vendors/blend) ([markdown](https://www.bankingnewsai.com/vendors/blend.md)): Origination software for mortgages, home equity, consumer loans and deposit accounts; its Autopilot AI agent reviews borrower documents.
- [Microsoft 365 Copilot for banks](https://www.bankingnewsai.com/vendors/microsoft-copilot) ([markdown](https://www.bankingnewsai.com/vendors/microsoft-copilot.md)): AI assistant inside Word, Excel, Outlook and Teams, grounded in a firm's Microsoft 365 data, plus Copilot Studio for building agents.
- [ChatGPT Enterprise (OpenAI) for banks](https://www.bankingnewsai.com/vendors/openai-chatgpt-enterprise) ([markdown](https://www.bankingnewsai.com/vendors/openai-chatgpt-enterprise.md)): OpenAI's workplace ChatGPT with admin controls and no training on business data by default, plus API access to GPT models.
- [Claude (Anthropic) for banks](https://www.bankingnewsai.com/vendors/anthropic-claude) ([markdown](https://www.bankingnewsai.com/vendors/anthropic-claude.md)): Anthropic's Claude models and workplace plans (Team, Enterprise), sold direct and through AWS and Microsoft.
- [Gemini Enterprise (Google Cloud) for banks](https://www.bankingnewsai.com/vendors/google-gemini-enterprise) ([markdown](https://www.bankingnewsai.com/vendors/google-gemini-enterprise.md)): Google Cloud's workplace AI app and agent platform on Gemini models, connecting to Google Workspace, Microsoft 365 and business data.
- [Amazon Bedrock (AWS) for banks](https://www.bankingnewsai.com/vendors/amazon-bedrock) ([markdown](https://www.bankingnewsai.com/vendors/amazon-bedrock.md)): AWS service giving one API to foundation models from Amazon, Anthropic, OpenAI, Meta and others, plus AgentCore for running agents.
- [GitHub Copilot for banks](https://www.bankingnewsai.com/vendors/github-copilot) ([markdown](https://www.bankingnewsai.com/vendors/github-copilot.md)): AI coding assistant and coding agent in the IDE, CLI and GitHub.com, with Business and Enterprise plans billed per seat plus AI credits.
- [ValidMind for banks](https://www.bankingnewsai.com/vendors/validmind) ([markdown](https://www.bankingnewsai.com/vendors/validmind.md)): Model inventory, validation and documentation automation, monitoring and AI governance for banks; agent controls in early access.
- [Credo AI for banks](https://www.bankingnewsai.com/vendors/credo-ai) ([markdown](https://www.bankingnewsai.com/vendors/credo-ai.md)): AI governance SaaS: registry of AI use cases, agents and vendors, policy packs (EU AI Act, NIST AI RMF, ISO 42001), agent controls.
- [SAS Model Risk Management for banks](https://www.bankingnewsai.com/vendors/sas-model-risk) ([markdown](https://www.bankingnewsai.com/vendors/sas-model-risk.md)): SAS module for model inventory, validation workflow, findings, monitoring and model-risk reporting, on the SAS Viya platform.
- [Monitaur for banks](https://www.bankingnewsai.com/vendors/monitaur) ([markdown](https://www.bankingnewsai.com/vendors/monitaur.md)): AI governance SaaS: inventory, common controls, vendor governance, drift and bias monitoring, and FlightSim black-box AI testing.
- [Yields for banks](https://www.bankingnewsai.com/vendors/yields-io) ([markdown](https://www.bankingnewsai.com/vendors/yields-io.md)): Model risk management and AI governance platform: model inventory, tiering, workflow engine, documentation, validation and monitoring.
- [Fiserv for banks](https://www.bankingnewsai.com/vendors/fiserv) ([markdown](https://www.bankingnewsai.com/vendors/fiserv.md)): Core, card and payments provider adding AI to its platforms: agentOS agents for bank workflows, AI card-fraud decisioning.
- [FIS for banks](https://www.bankingnewsai.com/vendors/fis) ([markdown](https://www.bankingnewsai.com/vendors/fis.md)): Core, digital and card-processing provider adding AI agents (an Anthropic-built AML agent), AI card-fraud tools and AI lending tools.
- [Jack Henry for banks](https://www.bankingnewsai.com/vendors/jack-henry) ([markdown](https://www.bankingnewsai.com/vendors/jack-henry.md)): Core, digital (Banno), payments and fraud platforms for community banks and credit unions, adding AI via Google Cloud's Gemini.
- [Q2 for banks](https://www.bankingnewsai.com/vendors/q2) ([markdown](https://www.bankingnewsai.com/vendors/q2.md)): Digital banking, fraud (Centrix) and relationship-pricing platform for US banks, with an AI agent layer (Q2 Assistant) and ML fraud models.
- [nCino for banks](https://www.bankingnewsai.com/vendors/ncino) ([markdown](https://www.bankingnewsai.com/vendors/ncino.md)): Cloud lending and onboarding platform for banks with gen-AI (Banking Advisor), role-based AI agents (Digital Partners) and credit analytics.
- [Temenos for banks](https://www.bankingnewsai.com/vendors/temenos) ([markdown](https://www.bankingnewsai.com/vendors/temenos.md)): Swiss core, digital, payments and wealth banking software with embedded AI copilots, a sanctions-screening AI agent and explainable AI.
- [Backbase for banks](https://www.bankingnewsai.com/vendors/backbase) ([markdown](https://www.bankingnewsai.com/vendors/backbase.md)): AI-native Banking OS layered over a bank's core for channels, staff and AI agents; owns Kasisto's conversational AI since June 2026.
- [Alkami for banks](https://www.bankingnewsai.com/vendors/alkami) ([markdown](https://www.bankingnewsai.com/vendors/alkami.md)): Digital banking, account opening (MANTL) and data-marketing platform for US banks and credit unions, with predictive AI models.
- [AI in banking: what banks actually use it for](https://www.bankingnewsai.com/ai-in-banking): What AI in banking means in 2026, from the record of 140 banks: who uses it most, 13 use cases with production counts, reported results, rules, vendors
- [AI use cases in banking](https://www.bankingnewsai.com/ai-use-cases-in-banking): 13 AI use cases in banking with the banks running each in production, a worked case study with numbers, the regulators' documents and the vendors
- [AI agents in banking: which banks run them](https://www.bankingnewsai.com/ai-agents-in-banking): Which banks run AI agents in production, what the agents do (servicing, collections, coding, payments), the controls banks use and what regulators say
- [Conversational AI in banking](https://www.bankingnewsai.com/conversational-ai-in-banking): Named assistants, chatbots and voice bots at 140 banks, what they do, published usage, the CFPB and state rules, and vendors
- [AI in banking customer service](https://www.bankingnewsai.com/ai-customer-service-in-banking): Agent assist, call summaries, voice bots and knowledge tools at named banks, with the scale numbers, vendors and the rules
- [AI customer segmentation in banking](https://www.bankingnewsai.com/ai-customer-segmentation-in-banking): Next-best-action engines, insights and offers at named banks, with results, fair-lending and UDAAP limits, vendors
- [AI in investment banking](https://www.bankingnewsai.com/ai-in-investment-banking): What Goldman, Morgan Stanley, JPMorgan and Citi actually run in research, trading and deal work, the banks' own numbers on jobs, SEC and FINRA rules
- [AI in corporate and commercial banking](https://www.bankingnewsai.com/ai-in-corporate-banking): How banks use AI for corporate and business clients: treasury, payments, commercial lending and onboarding at named banks, with results and rules
- [AI in retail banking](https://www.bankingnewsai.com/ai-in-retail-banking): How consumer banks use AI: assistants, fraud and scam detection, credit decisions and personalisation at named banks, with results and CFPB rules
- [Risks of AI in banking](https://www.bankingnewsai.com/risks-of-ai-in-banking): The ten risks of AI in banking regulators name, mapped to the documents that name each and the controls banks disclose: model risk, bias, privacy, cyber
- [AI for KYC](https://www.bankingnewsai.com/ai-kyc): How banks use AI for KYC: onboarding, document and identity checks, screening and perpetual KYC at named banks, with results, rules and vendors
- [AI in AML compliance](https://www.bankingnewsai.com/ai-aml): How banks use AI in AML: transaction monitoring, alert triage and SAR narratives at named banks, with results, FinCEN and Fed rules, and vendors
- [AI credit underwriting and lending](https://www.bankingnewsai.com/ai-credit-underwriting): How banks use AI in credit underwriting and lending: named banks, results, adverse-action and fair-lending rules (ECOA, CFPB, EU AI Act), vendors
- [AI governance in banking](https://www.bankingnewsai.com/ai-governance) ([markdown](https://www.bankingnewsai.com/ai-governance.md)): AI governance framework for banks: the rules that require it, the owners, the committee and policy structures banks disclose, and the documents behind each
- [AI fraud detection in banking](https://www.bankingnewsai.com/ai-fraud-detection): What regulators warn about, the rules a bank's fraud models run under, public results, and the banks using AI against fraud
- [Model risk management in banking](https://www.bankingnewsai.com/model-risk-management) ([markdown](https://www.bankingnewsai.com/model-risk-management.md)): What model risk management is, the US framework (SR 26-2 / OCC 2026-13 / FIL-15-2026, and SR 11-7 / OCC 2011-12 before April 2026), model inventory and tiering, validation, three lines of defense, and how it applies to AI and generative AI
- [AI chatbots in banking](https://www.bankingnewsai.com/ai-chatbots-in-banking) ([markdown](https://www.bankingnewsai.com/ai-chatbots-in-banking.md)): The named assistants US banks have deployed (Erica, Fargo, Eno and others) with launch years and bank-published usage figures, what regulators expect of chatbots, the risks, and build versus buy
- [AI in bank treasury management](https://www.bankingnewsai.com/ai-treasury-management): How banks use AI in treasury — liquidity and capital planning, AI cash forecasting and payment screening sold to corporate clients (CashPro Forecasting, Cash Flow Intelligence, Liquidity Manager, Payment Outlier Detection), what an AI treasury risk assessment is, and the SR 26-2 model risk expectations
- [AI agents in banking](https://www.bankingnewsai.com/agentic-banking): An operating system for AI agents in a bank — eight control layers, the lifecycle, autonomy levels, and how regulators are moving, every claim sourced
- [Control plane for AI agents](https://www.bankingnewsai.com/agentic-banking/control-plane): The eight control layers, each with a quotable answer and its primary-source documents
- [AI agent lifecycle](https://www.bankingnewsai.com/agentic-banking/lifecycle): Eight gates from intake to retirement, with evidence and documents per gate
- [The build map](https://www.bankingnewsai.com/agentic-banking/build): A vendor-neutral design tool for AI systems inside a bank — ten questions produce a brief with pattern, controls, applicable documents, evals, human gates and examiner questions; thirteen standard briefs by use case
- [What regulators say about AI agents](https://www.bankingnewsai.com/agentic-banking/regulation): Every documented position on agentic AI in banking, dated and quoted
- [AI Regulation Tracker](https://www.bankingnewsai.com/ai-regulation): Who regulates AI in banking — every authority, tracked
- [All documents](https://www.bankingnewsai.com/ai-regulation/documents): Every tracked regulatory document, newest first
- [Deadlines calendar](https://www.bankingnewsai.com/ai-regulation/deadlines): Comment deadlines, effective dates and application milestones
- [By use case](https://www.bankingnewsai.com/ai-regulation/by-use-case): Which rules apply to credit underwriting, AML, fraud, chatbots, model risk and more
- [Compliance checklist](https://www.bankingnewsai.com/ai-regulation/compliance-checklist): Obligations by quarter, recomputed daily
- [Regulator warnings](https://www.bankingnewsai.com/ai-regulation/regulator-warnings): Alerts, Dear-CEO letters and risk reports on AI
- [For compliance officers](https://www.bankingnewsai.com/ai-regulation/for-compliance-officers): Where to start and what is due
- [AI regulation guides](https://www.bankingnewsai.com/ai-regulation/guides): Plain-English explainers of the rules bank AI programmes are examined against: BCBS 239, SR 11-7 / OCC 2011-12, DORA, NIST AI RMF and PRA SS1/23
- [BCBS 239 explained: the 14 principles and what they mean for AI](https://www.bankingnewsai.com/ai-regulation/guides/bcbs-239-explained): The 14 principles in four groups, what compliance looks like, the 2013–2026 timeline of progress reports, who enforces it and how AI data pipelines are…
- [SR 11-7 and OCC 2011-12 explained: model risk management for AI models](https://www.bankingnewsai.com/ai-regulation/guides/sr-11-7-model-risk-management): The 2011 US model risk guidance explained: model and model-risk definitions, the three pillars as a lifecycle, the three validation elements, what the…
- [DORA explained: the five pillars and what they require for AI and ICT third parties](https://www.bankingnewsai.com/ai-regulation/guides/dora-explained): The five pillars with article ranges, the dates from adoption to critical-provider oversight, obligations by article, how AI and LLM vendors fall under the ICT…
- [NIST AI RMF explained: Govern, Map, Measure, Manage for banks](https://www.bankingnewsai.com/ai-regulation/guides/nist-ai-rmf-explained): The four functions, 19 categories and 72 subcategories of AI RMF 1.0, the seven trustworthiness characteristics with bank examples, the twelve generative-AI…
- [PRA SS1/23 explained: the five model risk principles and how they cover AI](https://www.bankingnewsai.com/ai-regulation/guides/pra-ss1-23-explained): The five principles and 23 sub-principles of PRA SS1/23, model tiering, the exact paragraphs that reach AI and machine learning, the CP6/22-to-2026 timeline,…
- [AI regulation compared, side by side](https://www.bankingnewsai.com/ai-regulation/compare) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare.md)): "X vs Y" comparisons of the rules banks ask about, every table cell cited to the official text
- [SR 11-7 vs SR 26-2](https://www.bankingnewsai.com/ai-regulation/compare/sr-11-7-vs-sr-26-2) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare/sr-11-7-vs-sr-26-2.md)): SR 11-7 vs SR 26-2: What Changed in Bank Model Risk Guidance
- [OCC vs CFPB on AI lending](https://www.bankingnewsai.com/ai-regulation/compare/occ-vs-cfpb-ai-lending) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare/occ-vs-cfpb-ai-lending.md)): OCC vs CFPB on AI in Lending: Model Risk vs Consumer Law
- [EU AI Act vs Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/compare/eu-ai-act-vs-colorado-ai-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare/eu-ai-act-vs-colorado-ai-act.md)): EU AI Act vs Colorado AI Act: AI in Credit Decisions
- [PRA SS1/23 vs SR 26-2](https://www.bankingnewsai.com/ai-regulation/compare/pra-ss1-23-vs-sr-26-2) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare/pra-ss1-23-vs-sr-26-2.md)): PRA SS1/23 vs SR 26-2: UK and US Model Risk Compared
- [NIST AI RMF vs ISO 42001](https://www.bankingnewsai.com/ai-regulation/compare/nist-ai-rmf-vs-iso-42001) ([markdown](https://www.bankingnewsai.com/ai-regulation/compare/nist-ai-rmf-vs-iso-42001.md)): NIST AI RMF vs ISO/IEC 42001: Which Should a Bank Use?
- [Issue archive](https://www.bankingnewsai.com/issues): Every daily brief, newest first
- [RSS feed](https://www.bankingnewsai.com/rss.xml): Daily brief as RSS
- [Sitemap](https://www.bankingnewsai.com/sitemap.xml)

## Authorities — United States

- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) ([markdown](https://www.bankingnewsai.com/ai-regulation/federal-reserve.md)): Central bank and prudential supervisor
- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) ([markdown](https://www.bankingnewsai.com/ai-regulation/occ.md)): Prudential supervisor
- [FDIC](https://www.bankingnewsai.com/ai-regulation/fdic) ([markdown](https://www.bankingnewsai.com/ai-regulation/fdic.md)): Prudential supervisor and deposit insurer
- [NCUA](https://www.bankingnewsai.com/ai-regulation/ncua) ([markdown](https://www.bankingnewsai.com/ai-regulation/ncua.md)): Prudential supervisor and share insurer for credit unions
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) ([markdown](https://www.bankingnewsai.com/ai-regulation/cfpb.md)): Consumer-protection regulator
- [SEC](https://www.bankingnewsai.com/ai-regulation/sec) ([markdown](https://www.bankingnewsai.com/ai-regulation/sec.md)): Securities markets regulator and public-company disclosure authority
- [CFTC](https://www.bankingnewsai.com/ai-regulation/cftc) ([markdown](https://www.bankingnewsai.com/ai-regulation/cftc.md)): Derivatives market regulator
- [FinCEN](https://www.bankingnewsai.com/ai-regulation/fincen) ([markdown](https://www.bankingnewsai.com/ai-regulation/fincen.md)): AML/CFT regulator and financial intelligence unit
- [U.S. Treasury](https://www.bankingnewsai.com/ai-regulation/treasury) ([markdown](https://www.bankingnewsai.com/ai-regulation/treasury.md)): Policy lead, sector risk-management agency, and FSOC chair
- [White House](https://www.bankingnewsai.com/ai-regulation/white-house) ([markdown](https://www.bankingnewsai.com/ai-regulation/white-house.md)): Sets federal AI policy through executive orders and the AI Action Plan; directs agencies but does not supervise banks
- [FINRA](https://www.bankingnewsai.com/ai-regulation/finra) ([markdown](https://www.bankingnewsai.com/ai-regulation/finra.md)): Self-regulatory organization supervising broker-dealers; technology-neutral AI guidance under existing rules
- [NY DFS](https://www.bankingnewsai.com/ai-regulation/ny-dfs) ([markdown](https://www.bankingnewsai.com/ai-regulation/ny-dfs.md)): State prudential, insurance, and cybersecurity regulator
- [NYC DCWP](https://www.bankingnewsai.com/ai-regulation/new-york-city) ([markdown](https://www.bankingnewsai.com/ai-regulation/new-york-city.md)): Municipal consumer and worker protection agency enforcing a bias-audit and notice law for AI hiring tools
- [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act.md)): First US state-level AI law reaching lending and financial-services decisions
- [California CPPA](https://www.bankingnewsai.com/ai-regulation/california) ([markdown](https://www.bankingnewsai.com/ai-regulation/california.md)): State privacy-and-civil-rights regime whose automated decisionmaking rules reach lending, deposit and employment decisions — the most-cited…
- [Texas AG](https://www.bankingnewsai.com/ai-regulation/texas) ([markdown](https://www.bankingnewsai.com/ai-regulation/texas.md)): State attorney general enforcing an intent-based AI statute with prohibited uses, a cure period and a regulatory sandbox, and an express…
- [Utah Division of Consumer Protection](https://www.bankingnewsai.com/ai-regulation/utah) ([markdown](https://www.bankingnewsai.com/ai-regulation/utah.md)): State consumer-protection enforcer for a narrow generative-AI disclosure rule, paired with a state AI policy office that negotiates…
- [Illinois IDHR](https://www.bankingnewsai.com/ai-regulation/illinois) ([markdown](https://www.bankingnewsai.com/ai-regulation/illinois.md)): State civil-rights agency enforcing a statute that makes AI-driven discrimination in employment, and failure to notify employees of AI use,…
- [Massachusetts AG](https://www.bankingnewsai.com/ai-regulation/massachusetts) ([markdown](https://www.bankingnewsai.com/ai-regulation/massachusetts.md)): State attorney general applying existing consumer-protection, anti-discrimination and data-security law to AI, and the author of an AI…
- [New Jersey DCR](https://www.bankingnewsai.com/ai-regulation/new-jersey) ([markdown](https://www.bankingnewsai.com/ai-regulation/new-jersey.md)): State civil-rights enforcer that treats algorithmic discrimination in credit, employment and housing as a violation of the existing Law…
- [NIST](https://www.bankingnewsai.com/ai-regulation/nist) ([markdown](https://www.bankingnewsai.com/ai-regulation/nist.md)): Standards body

## Authorities — International

- [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/eu-ai-act.md)): Binding horizontal AI law
- [ECB](https://www.bankingnewsai.com/ai-regulation/ecb) ([markdown](https://www.bankingnewsai.com/ai-regulation/ecb.md)): Prudential supervisor
- [EBA](https://www.bankingnewsai.com/ai-regulation/eba) ([markdown](https://www.bankingnewsai.com/ai-regulation/eba.md)): EU banking standard-setter
- [ESMA](https://www.bankingnewsai.com/ai-regulation/esma) ([markdown](https://www.bankingnewsai.com/ai-regulation/esma.md)): EU securities-markets authority that issues non-binding statements and convergence tools on how existing securities rules apply to AI
- [EIOPA](https://www.bankingnewsai.com/ai-regulation/eiopa) ([markdown](https://www.bankingnewsai.com/ai-regulation/eiopa.md)): EU insurance and pensions supervisory authority, one of the three European Supervisory Authorities
- [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) ([markdown](https://www.bankingnewsai.com/ai-regulation/uk.md)): Prudential and conduct regulators
- [BaFin](https://www.bankingnewsai.com/ai-regulation/bafin) ([markdown](https://www.bankingnewsai.com/ai-regulation/bafin.md)): Technology-neutral prudential and conduct supervisor that issues non-binding AI guidance and, under the EU AI Act, acts as Germany's market…
- [ACPR](https://www.bankingnewsai.com/ai-regulation/acpr) ([markdown](https://www.bankingnewsai.com/ai-regulation/acpr.md)): French prudential supervisor and AML authority with an innovation hub that publishes AI governance and fairness papers and is preparing for…
- [DNB / AFM](https://www.bankingnewsai.com/ai-regulation/dnb) ([markdown](https://www.bankingnewsai.com/ai-regulation/dnb.md)): Dutch prudential and conduct supervisors that publish joint AI positions and apply existing financial law to AI
- [FINMA](https://www.bankingnewsai.com/ai-regulation/finma) ([markdown](https://www.bankingnewsai.com/ai-regulation/finma.md)): Integrated Swiss financial supervisor that sets AI expectations through supervisory guidance rather than AI-specific law
- [OSFI](https://www.bankingnewsai.com/ai-regulation/osfi) ([markdown](https://www.bankingnewsai.com/ai-regulation/osfi.md)): Canada's federal prudential supervisor, regulating AI in banks through technology-neutral guidelines on model risk (E-23), third-party risk…
- [MAS](https://www.bankingnewsai.com/ai-regulation/mas) ([markdown](https://www.bankingnewsai.com/ai-regulation/mas.md)): Integrated financial regulator whose AI position is principles, information papers and a draft supervisory guideline rather than an AI…
- [HKMA](https://www.bankingnewsai.com/ai-regulation/hkma) ([markdown](https://www.bankingnewsai.com/ai-regulation/hkma.md)): Principles-based supervisor that regulates AI in banks through circulars, plus the GenA.I.
- [Hong Kong SFC](https://www.bankingnewsai.com/ai-regulation/sfc) ([markdown](https://www.bankingnewsai.com/ai-regulation/sfc.md)): Securities regulator that has issued supervisory circulars on generative AI language models and on AI-enabled cyberattacks for licensed…
- [Japan FSA](https://www.bankingnewsai.com/ai-regulation/japan-fsa) ([markdown](https://www.bankingnewsai.com/ai-regulation/japan-fsa.md)): Integrated financial supervisor whose AI position is a dialogue-based discussion paper and, in 2026, a joint request with the Bank of Japan…
- [APRA / ASIC](https://www.bankingnewsai.com/ai-regulation/australia) ([markdown](https://www.bankingnewsai.com/ai-regulation/australia.md)): Australia's prudential regulator (APRA) and conduct regulator (ASIC), supervising AI in banks through technology-neutral standards and…
- [RBI](https://www.bankingnewsai.com/ai-regulation/rbi) ([markdown](https://www.bankingnewsai.com/ai-regulation/rbi.md)): Banking regulator whose AI position is a non-binding framework (FREE-AI, August 2025) plus a draft, not yet final, model-risk guidance that…
- [FSB](https://www.bankingnewsai.com/ai-regulation/fsb) ([markdown](https://www.bankingnewsai.com/ai-regulation/fsb.md)): Global financial-stability standard-setter
- [Basel Committee](https://www.bankingnewsai.com/ai-regulation/basel-committee) ([markdown](https://www.bankingnewsai.com/ai-regulation/basel-committee.md)): Global banking standard-setter
- [FATF](https://www.bankingnewsai.com/ai-regulation/fatf) ([markdown](https://www.bankingnewsai.com/ai-regulation/fatf.md)): Global AML/CFT standard-setter
- [IOSCO](https://www.bankingnewsai.com/ai-regulation/iosco) ([markdown](https://www.bankingnewsai.com/ai-regulation/iosco.md)): Global securities-markets standard-setter; non-binding AI guidance and supervisory tools for securities regulators

## Documents by authority

### Federal Reserve

- [Cook: Opportunities and Risks of AI (May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fed-cook-speech-ai-economy-financial-system-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-cook-speech-ai-economy-financial-system-2026.md)): The Opportunities and Risks AI Presents for the Economy and Financial System — Governor Lisa D. (May 27, 2026)
- [Bowman: AI in the Financial System (May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fed-bowman-speech-ai-financial-system-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-bowman-speech-ai-financial-system-2026.md)): Artificial Intelligence in the Financial System — Vice Chair for Supervision Michelle W. (May 1, 2026)
- [SR 26-2](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-26-2) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-26-2.md)): Revised Guidance on Model Risk Management (Apr 17, 2026)
- [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4.md)): Interagency Guidance on Third-Party Relationships: Risk Management (Jun 7, 2023)
- [2021 BSA/AML Model Risk Statement](https://www.bankingnewsai.com/ai-regulation/documents/fed-bsa-aml-model-risk-statement-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-bsa-aml-model-risk-statement-2021.md)): Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML Compliance (Apr 9, 2021)
- [2021 Interagency AI RFI](https://www.bankingnewsai.com/ai-regulation/documents/fed-interagency-ai-rfi-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-interagency-ai-rfi-2021.md)): Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning (Mar 31, 2021)
- [SR 11-7](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-11-7) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-11-7.md)): Supervisory Guidance on Model Risk Management (Apr 4, 2011)

### OCC

- [OCC Semiannual Risk Perspective, Spring 2026](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026.md)): Semiannual Risk Perspective from the National Risk Committee, Spring 2026 (May 7, 2026)
- [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13.md)): Model Risk Management: Revised Guidance (Apr 17, 2026)
- [Acting Comptroller Hood, 'AI in Financial Services' (Apr 2025)](https://www.bankingnewsai.com/ai-regulation/documents/occ-hood-responsible-ai-speech-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-hood-responsible-ai-speech-2025.md)): Remarks by Acting Comptroller Rodney E. (Apr 29, 2025)
- [OCC Bulletin 2023-17](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2023-17) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2023-17.md)): Third-Party Relationships: Interagency Guidance on Risk Management (Jun 6, 2023)
- [OCC Bulletin 2021-19](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2021-19) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2021-19.md)): Bank Secrecy Act/Anti-Money Laundering: Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML Compliance and… (Apr 9, 2021)
- [2021 Interagency AI RFI (OCC Bulletin 2021-17)](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2021-17-ai-rfi) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2021-17-ai-rfi.md)): Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning (Mar 31, 2021)
- [OCC Bulletin 2011-12](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2011-12) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2011-12.md)): Sound Practices for Model Risk Management: Supervisory Guidance on Model Risk Management (Apr 4, 2011)
- [OCC Bulletin 1997-24](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-1997-24) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-1997-24.md)): Credit Scoring Models: Examination Guidance (May 20, 1997)

### FDIC

- [Hill House oversight testimony (Jun 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fdic-testimony-oversight-prudential-regulators-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-testimony-oversight-prudential-regulators-2026.md)): Statement of Chairman Travis Hill: Oversight of Prudential Regulators (Jun 4, 2026)
- [FDIC FIL-15-2026](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-15-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-15-2026.md)): Agencies Revise the Interagency Model Risk Management Guidance (Apr 17, 2026)
- [FDIC House testimony on AI and innovation (Mar 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fdic-testimony-innovation-speed-of-markets-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-testimony-innovation-speed-of-markets-2026.md)): Innovation at the Speed of Markets: How Regulators Keep Pace with Technology (Mar 26, 2026)
- [FDIC 2025 Report on Cybersecurity and Resilience](https://www.bankingnewsai.com/ai-regulation/documents/fdic-cybersecurity-resilience-report-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-cybersecurity-resilience-report-2025.md)): 2025 Report on Cybersecurity and Resilience (Jul 14, 2025)
- [Hill 'Charting a New Course' speech](https://www.bankingnewsai.com/ai-regulation/documents/fdic-charting-new-course-speech-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-charting-new-course-speech-2025.md)): Charting a New Course: Preliminary Thoughts on FDIC Policy Issues (Jan 10, 2025)
- [FDIC 2024 Risk Review](https://www.bankingnewsai.com/ai-regulation/documents/fdic-risk-review-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-risk-review-2024.md)): 2024 Risk Review — Section 5: Operational and Cyber Risks (May 22, 2024)
- [FDIC FIL-29-2023](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-29-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-29-2023.md)): Interagency Guidance on Third-Party Relationships: Risk Management (Jun 6, 2023)
- [FDIC FIL-27-2021](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-27-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-27-2021.md)): Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML and OFAC Compliance (Apr 9, 2021)
- [FDIC FIL-20-2021](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-20-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-20-2021.md)): Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning (Mar 29, 2021)

### NCUA

- [Hauptman Senate testimony (Feb 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-hauptman-senate-testimony-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-hauptman-senate-testimony-2026.md)): Written Testimony of NCUA Chairman Kyle S. (Feb 12, 2026)
- [NCUA Letter 26-CU-01](https://www.bankingnewsai.com/ai-regulation/documents/ncua-letter-26-cu-01) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-letter-26-cu-01.md)): NCUA's 2026 Supervisory Priorities (Jan 14, 2026)
- [NCUA AI Compliance Plan (2025)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-compliance-plan-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-compliance-plan-2025.md)): NCUA Artificial Intelligence Compliance Plan (Sep 1, 2025)
- [NCUA Credit Union AI Resource Center](https://www.bankingnewsai.com/ai-regulation/documents/ncua-credit-union-ai-resource-center) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-credit-union-ai-resource-center.md)): Artificial Intelligence (AI) — Credit Union AI Resource Center and AI Resources page (Aug 1, 2025)
- [NCUA Board AI briefing (Jul 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-board-briefing-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-board-briefing-2025.md)): Board Briefing: Artificial Intelligence and Its Use Within the Credit Union Industry and the NCUA (Jul 24, 2025)
- [NCUA Financial Innovation Rule (2023)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-financial-innovation-rule-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-financial-innovation-rule-2023.md)): Financial Innovation: Loan Participations, Eligible Obligations, and Notes of Liquidating Credit Unions (final rule) (Sep 21, 2023)
- [NCUA testimony to House AI Task Force (2022)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-task-force-testimony-2022) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-task-force-testimony-2022.md)): Written Testimony of Kelly Lay, Director of the Office of Examination and Insurance, before the House Financial Services Task Force on… (May 13, 2022)
- [2021 Interagency AI RFI](https://www.bankingnewsai.com/ai-regulation/documents/ncua-interagency-ai-rfi-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-interagency-ai-rfi-2021.md)): Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning (Mar 31, 2021)
- [NCUA Letter 07-CU-13](https://www.bankingnewsai.com/ai-regulation/documents/ncua-letter-07-cu-13) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ncua-letter-07-cu-13.md)): Evaluating Third Party Relationships (Dec 1, 2007)

### CFPB

- [Regulation B final rule on disparate impact (April 2026)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-regulation-b-final-rule-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-regulation-b-final-rule-2026.md)): Equal Credit Opportunity Act (Regulation B) — final rule amending disparate impact, discouragement and special purpose credit program… (Apr 22, 2026)
- [CFPB withdrawal of 67 guidance documents (May 2025)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-guidance-withdrawal-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-guidance-withdrawal-2025.md)): Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal (May 12, 2025)
- [CFPB comment to Treasury on AI in financial services (2024)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-comment-treasury-ai-rfi-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-comment-treasury-ai-rfi-2024.md)): CFPB Comment on Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector (Aug 12, 2024)
- [CFPB Circular 2023-03](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-circular-2023-03) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-circular-2023-03.md)): Adverse action notification requirements and the proper use of the CFPB's sample forms provided in Regulation B (Sep 19, 2023)
- [CFPB Chatbots in Consumer Finance (issue spotlight, 2023)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023.md)): Chatbots in consumer finance (Jun 6, 2023)
- [Joint Statement on Automated Systems (CFPB, DOJ, EEOC, FTC)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-joint-statement-automated-systems-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-joint-statement-automated-systems-2023.md)): Joint Statement on Enforcement Efforts Against Discrimination and Bias in Automated Systems (Apr 25, 2023)
- [CFPB Circular 2022-03](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-circular-2022-03) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-circular-2022-03.md)): Adverse action notification requirements in connection with credit decisions based on complex algorithms (May 26, 2022)
- [CFPB Innovation Spotlight on AI/ML adverse action notices (2020)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-innovation-spotlight-ai-ml-adverse-action-2020) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-innovation-spotlight-ai-ml-adverse-action-2020.md)): Innovation spotlight: Providing adverse action notices when using AI/ML models (Jul 7, 2020)
- [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action.md)): Equal Credit Opportunity Act section 701(d) and Regulation B section 1002.9 — notification of adverse action and statement of specific… (Oct 28, 1974)
- [FCRA adverse action and credit-score disclosures (15 U.S.C. 1681m, 1681g(f))](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-fcra-adverse-action-key-factors) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-fcra-adverse-action-key-factors.md)): Fair Credit Reporting Act — adverse-action notices based on consumer reports and disclosure of key factors affecting credit scores (Oct 26, 1970)

### SEC

- [Atkins remarks at Investor Advisory Committee (Sep 2026)](https://www.bankingnewsai.com/ai-regulation/documents/sec-atkins-iac-ai-disclosure-remarks-2026-09) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-atkins-iac-ai-disclosure-remarks-2026-09.md)): Remarks at the SEC Investor Advisory Committee Meeting on AI Technologies and the Public Markets Information Ecosystem (Sep 10, 2026)
- [Atkins remarks at FSOC AI roundtable (Mar 2026)](https://www.bankingnewsai.com/ai-regulation/documents/sec-atkins-fsoc-ai-roundtable-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-atkins-fsoc-ai-roundtable-2026.md)): Remarks at Financial Stability Oversight Council Artificial Intelligence Innovation Series Roundtable on Strategy and Governance Principles (Mar 4, 2026)
- [Investor Advisory Committee AI disclosure recommendation](https://www.bankingnewsai.com/ai-regulation/documents/sec-iac-ai-disclosure-recommendation-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-iac-ai-disclosure-recommendation-2025.md)): Recommendation of the SEC Investor Advisory Committee Regarding the Disclosure of Artificial Intelligence's Impact on Operations (Dec 4, 2025)
- [Division of Examinations FY2026 Priorities](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2026.md)): Examination Priorities: Fiscal Year 2026 — Division of Examinations (Nov 17, 2025)
- [SEC withdrawal of proposed rules (33-11377)](https://www.bankingnewsai.com/ai-regulation/documents/sec-pda-proposal-withdrawal-33-11377) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-pda-proposal-withdrawal-33-11377.md)): Withdrawal of Proposed Regulatory Actions — including the predictive data analytics conflicts proposal (Jun 12, 2025)
- [SEC v. Saniger (Nate, Inc.)](https://www.bankingnewsai.com/ai-regulation/documents/sec-nate-saniger-ai-washing-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-nate-saniger-ai-washing-2025.md)): SEC Charges Founder of Nate, Inc. (Apr 9, 2025)
- [Presto Automation AI-washing order](https://www.bankingnewsai.com/ai-regulation/documents/sec-presto-automation-ai-washing-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-presto-automation-ai-washing-2025.md)): SEC Charges Restaurant-Technology Company Presto Automation for Misleading Statements About AI Product (Jan 14, 2025)
- [Division of Examinations FY2025 Priorities](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-exam-priorities-fy2025.md)): Examination Priorities: Fiscal Year 2025 — Division of Examinations (Oct 21, 2024)
- [Delphia / Global Predictions AI-washing settlements](https://www.bankingnewsai.com/ai-regulation/documents/sec-delphia-global-predictions-ai-washing-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-delphia-global-predictions-ai-washing-2024.md)): SEC Charges Two Investment Advisers with Making False and Misleading Statements About Their Use of Artificial Intelligence (Mar 18, 2024)
- [Gensler 'AI washing' remarks at Yale (Feb 2024)](https://www.bankingnewsai.com/ai-regulation/documents/sec-gensler-ai-washing-speech-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-gensler-ai-washing-speech-2024.md)): AI, Finance, Movies, and the Law — Prepared Remarks Before the Yale Law School (Feb 13, 2024)
- [SEC Predictive Data Analytics proposal (34-97990)](https://www.bankingnewsai.com/ai-regulation/documents/sec-pda-conflicts-proposal-34-97990) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sec-pda-conflicts-proposal-34-97990.md)): Conflicts of Interest Associated with the Use of Predictive Data Analytics by Broker-Dealers and Investment Advisers — proposed rule (Jul 26, 2023)

### CFTC

- [CFTC Compute Derivatives RFC](https://www.bankingnewsai.com/ai-regulation/documents/cftc-compute-derivatives-rfc-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-compute-derivatives-rfc-2026.md)): Request for Comment on the Listing of Compute Derivatives Contracts (Aug 19, 2026)
- [CFTC Innovation Task Force](https://www.bankingnewsai.com/ai-regulation/documents/cftc-innovation-task-force-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-innovation-task-force-2026.md)): Chairman Selig Announces Formation of New Innovation Task Force (Mar 24, 2026)
- [Johnson RegHub Summit Remarks (Jun 2025)](https://www.bankingnewsai.com/ai-regulation/documents/cftc-johnson-reghub-london-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-johnson-reghub-london-2025.md)): Keynote Remarks of Commissioner Kristin N. (Jun 18, 2025)
- [Johnson Statement on AI in Derivatives Markets (Dec 2024)](https://www.bankingnewsai.com/ai-regulation/documents/cftc-johnson-statement-2024-12-05) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-johnson-statement-2024-12-05.md)): Statement of Commissioner Kristin N. (Dec 5, 2024)
- [CFTC Staff Advisory 24-17 on AI](https://www.bankingnewsai.com/ai-regulation/documents/cftc-staff-advisory-24-17) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-staff-advisory-24-17.md)): Staff Advisory on the Use of Artificial Intelligence in CFTC-Regulated Markets (CFTC Letter No. (Dec 5, 2024)
- [CFTC TAC Responsible AI Report](https://www.bankingnewsai.com/ai-regulation/documents/cftc-tac-responsible-ai-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-tac-responsible-ai-report-2024.md)): Responsible Artificial Intelligence in Financial Markets: Opportunities, Risks & Recommendations (May 2, 2024)
- [CFTC AI Request for Comment (2024)](https://www.bankingnewsai.com/ai-regulation/documents/cftc-ai-request-for-comment-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-ai-request-for-comment-2024.md)): Request for Comment on the Use of Artificial Intelligence in CFTC-Regulated Markets (Jan 25, 2024)
- [CFTC AI Scams Customer Advisory](https://www.bankingnewsai.com/ai-regulation/documents/cftc-ai-scams-customer-advisory-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/cftc-ai-scams-customer-advisory-2024.md)): Customer Advisory: AI Won't Turn Trading Bots into Money Machines (Jan 25, 2024)

### FinCEN

- [FIN-2026-Alert005 (Digital Asset Investment Scam Centers)](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2026-scam-centers) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2026-scam-centers.md)): FinCEN Alert on Money Laundering Activity Associated with Digital Asset Investment Scam Centers (Sep 3, 2026)
- [FIN-2026-Alert004 (Federal Student Aid Fraud)](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2026-federal-student-aid-fraud) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2026-federal-student-aid-fraud.md)): FinCEN Alert on Fraud Schemes Targeting Federal Student Aid (Jul 24, 2026)
- [2026 AML/CFT Program Proposed Rule](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-cft-program-nprm-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-cft-program-nprm-2026.md)): Anti-Money Laundering and Countering the Financing of Terrorism Programs (Notice of Proposed Rulemaking, 2026) (Apr 10, 2026)
- [FIN-2024-Alert004 (Deepfake Media)](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2024-deepfake-media) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-alert-2024-deepfake-media.md)): FinCEN Alert on Fraud Schemes Involving Deepfake Media Targeting Financial Institutions (Nov 13, 2024)
- [2024 AML/CFT Program Proposed Rule (withdrawn)](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-cft-program-nprm-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-cft-program-nprm-2024.md)): Anti-Money Laundering and Countering the Financing of Terrorism Programs (Notice of Proposed Rulemaking, 2024) (Jul 3, 2024)
- [2021 BSA/AML Model Risk Management Statement](https://www.bankingnewsai.com/ai-regulation/documents/fincen-bsa-aml-model-risk-statement-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-bsa-aml-model-risk-statement-2021.md)): Interagency Statement on Model Risk Management for Bank Systems Supporting Bank Secrecy Act/Anti-Money Laundering Compliance (Apr 9, 2021)
- [Anti-Money Laundering Act of 2020](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-act-2020) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-aml-act-2020.md)): Anti-Money Laundering Act of 2020 (Division F of the National Defense Authorization Act for Fiscal Year 2021) (Jan 1, 2021)
- [FinCEN Innovation Hours](https://www.bankingnewsai.com/ai-regulation/documents/fincen-innovation-hours-2019) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-innovation-hours-2019.md)): FinCEN's Innovation Initiative: Implementation of FinCEN Innovation Hours; Invitation to Request Innovation Hours Meeting (May 1, 2019)
- [2018 Joint Statement on BSA/AML Innovation](https://www.bankingnewsai.com/ai-regulation/documents/fincen-joint-statement-innovation-2018) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fincen-joint-statement-innovation-2018.md)): Joint Statement on Innovative Efforts to Combat Money Laundering and Terrorist Financing (Dec 3, 2018)

### U.S. Treasury

- [FSOC AI Innovation Series (Mar–May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-fsoc-ai-innovation-series-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-fsoc-ai-innovation-series-2026.md)): Artificial Intelligence Innovation Series — FSOC and Treasury AI Transformation Office roundtables (Jun 24, 2026)
- [Treasury FS AI RMF and AI Lexicon (Feb 2026)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-fs-ai-rmf-and-ai-lexicon-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-fs-ai-rmf-and-ai-lexicon-2026.md)): Financial Services AI Risk Management Framework (FS AI RMF) and Artificial Intelligence Lexicon (Feb 19, 2026)
- [FSOC 2025 Annual Report](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2025.md)): Financial Stability Oversight Council 2025 Annual Report — Section 3.4, Harnessing Artificial Intelligence to Promote Financial Stability (Dec 11, 2025)
- [Treasury AI in Financial Services report (Dec 2024)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-financial-services-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-financial-services-report-2024.md)): Artificial Intelligence in Financial Services — Report on the Uses, Opportunities, and Risks of AI in the Financial Services Sector (Dec 19, 2024)
- [FSOC 2024 Annual Report](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2024.md)): Financial Stability Oversight Council 2024 Annual Report — Section 3.3.3, The Use of Artificial Intelligence in Financial Services (Dec 6, 2024)
- [Treasury $4B AI fraud-prevention announcement (Oct 2024)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ml-fraud-prevention-fy2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ml-fraud-prevention-fy2024.md)): Treasury Announces Enhanced Fraud Detection Processes, Including Machine Learning AI, Prevented and Recovered Over $4 Billion in Fiscal… (Oct 17, 2024)
- [Treasury AI RFI (June 2024)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-financial-services-rfi-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-financial-services-rfi-2024.md)): Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector (Jun 12, 2024)
- [Treasury AI cybersecurity risks report (Mar 2024)](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-cybersecurity-risks-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/treasury-ai-cybersecurity-risks-report-2024.md)): Managing Artificial Intelligence-Specific Cybersecurity Risks in the Financial Services Sector (Mar 27, 2024)
- [FSOC 2023 Annual Report](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsoc-annual-report-2023.md)): Financial Stability Oversight Council 2023 Annual Report — Section 3.3.3, The Use of Artificial Intelligence in Financial Services (Dec 14, 2023)

### White House

- [EO 14365](https://www.bankingnewsai.com/ai-regulation/documents/eo-14365) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eo-14365.md)): Ensuring a National Policy Framework for Artificial Intelligence (Dec 11, 2025)
- [America's AI Action Plan](https://www.bankingnewsai.com/ai-regulation/documents/americas-ai-action-plan-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/americas-ai-action-plan-2025.md)): America's AI Action Plan (Jul 23, 2025)
- [EO 14179](https://www.bankingnewsai.com/ai-regulation/documents/eo-14179) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eo-14179.md)): Removing Barriers to American Leadership in Artificial Intelligence (Jan 23, 2025)

### FINRA

- [2026 FINRA Annual Regulatory Oversight Report](https://www.bankingnewsai.com/ai-regulation/documents/finra-annual-regulatory-oversight-report-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/finra-annual-regulatory-oversight-report-2026.md)): 2026 FINRA Annual Regulatory Oversight Report: GenAI: Continuing and Emerging Trends (Dec 9, 2025)
- [FINRA Regulatory Notice 24-09](https://www.bankingnewsai.com/ai-regulation/documents/finra-regulatory-notice-24-09) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/finra-regulatory-notice-24-09.md)): FINRA Reminds Members of Regulatory Obligations When Using Generative Artificial Intelligence and Large Language Models (Jun 27, 2024)

### NY DFS

- [DFS Heightened Threat Environment Guidance (May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2026-05-21-heightened-threat-environment) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2026-05-21-heightened-threat-environment.md)): Guidance on Measures Regulated Entities Should Consider in a Heightened Cybersecurity Threat Environment (May 21, 2026)
- [DFS Frontier AI Models Industry Letter (May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2026-05-21-frontier-ai-models) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2026-05-21-frontier-ai-models.md)): Heightened Cybersecurity Risks Associated with Frontier AI Models (May 21, 2026)
- [New York RAISE Act](https://www.bankingnewsai.com/ai-regulation/documents/ny-raise-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-raise-act.md)): Responsible AI Safety and Education (RAISE) Act, General Business Law Article 44-B (Chapter 699 of the Laws of 2025, as amended by Chapter… (Dec 19, 2025)
- [Asrow Assembly Statement on AI in Insurance (Dec 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-asrow-assembly-statement-2025-12-16-ai-insurance) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-asrow-assembly-statement-2025-12-16-ai-insurance.md)): Statement by DFS Acting Superintendent Kaitlin Asrow at the NYS Assembly Hearing on the Use of Artificial Intelligence Systems in Insurance… (Dec 16, 2025)
- [DFS AI Cybersecurity Industry Letter (Oct 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2024-10-16-ai-cyber-risks) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2024-10-16-ai-cyber-risks.md)): Cybersecurity Risks Arising from Artificial Intelligence and Strategies to Combat Related Risks (Oct 16, 2024)
- [Insurance Circular Letter No. 7 (2024)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-insurance-circular-letter-2024-07) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-insurance-circular-letter-2024-07.md)): Use of Artificial Intelligence Systems and External Consumer Data and Information Sources in Insurance Underwriting and Pricing (Jul 11, 2024)
- [DFS Virtual Currency Customer Service Guidance (May 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2024-05-30-vce-customer-service) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-industry-letter-2024-05-30-vce-customer-service.md)): Guidance Regarding Customer Service Requests and Complaints (Virtual Currency Entities) (May 30, 2024)
- [DFS Proposed AI Insurance Circular Letter (Jan 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-proposed-insurance-circular-letter-2024-01) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-proposed-insurance-circular-letter-2024-01.md)): Proposed Insurance Circular Letter on the Use of Artificial Intelligence Systems and External Consumer Data and Information Sources in… (Jan 17, 2024)
- [23 NYCRR Part 500](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-23-nycrr-part-500) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ny-dfs-23-nycrr-part-500.md)): Cybersecurity Requirements for Financial Services Companies (Second Amendment) (Nov 1, 2023)

### NYC DCWP

- [NYC Local Law 144 (AEDT)](https://www.bankingnewsai.com/ai-regulation/documents/nyc-local-law-144) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nyc-local-law-144.md)): A Local Law to amend the administrative code of the city of New York, in relation to automated employment decision tools (Local Law 144 of… (Dec 11, 2021)

### Colorado AI Act

- [Colorado AG proposed ADMT rules](https://www.bankingnewsai.com/ai-regulation/documents/co-ag-admt-proposed-rules-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-ag-admt-proposed-rules-2026.md)): Proposed Automated Decision-Making Technology and Conversational AI Service Rules (Notice of Rulemaking Hearing) (Aug 11, 2026)
- [HB 26-1263](https://www.bankingnewsai.com/ai-regulation/documents/co-hb26-1263) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-hb26-1263.md)): Conversational Artificial Intelligence Service Operator Requirements (Chatbot Safety Act) (May 29, 2026)
- [SB 26-189](https://www.bankingnewsai.com/ai-regulation/documents/co-sb26-189) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-sb26-189.md)): Automated Decision-Making Technology Act (repeal and reenactment of the Colorado AI Act) (May 14, 2026)
- [SB 25B-004](https://www.bankingnewsai.com/ai-regulation/documents/co-sb25b-004) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-sb25b-004.md)): Artificial Intelligence Consumer Protections — delay of effective date to June 30, 2026 (Aug 28, 2025)
- [SB 24-205](https://www.bankingnewsai.com/ai-regulation/documents/co-sb24-205) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-sb24-205.md)): Consumer Protections for Artificial Intelligence (Colorado Artificial Intelligence Act) (May 17, 2024)
- [Colorado SB 21-169 and Regulation 10-1-1](https://www.bankingnewsai.com/ai-regulation/documents/co-sb21-169) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/co-sb21-169.md)): Protecting Consumers from Unfair Discrimination in Insurance Practices (SB21-169, C.R.S. (Jul 6, 2021)

### California CPPA

- [SB 947](https://www.bankingnewsai.com/ai-regulation/documents/ca-sb-947-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-sb-947-2026.md)): Employment: Automated Decision Systems (No Robo Bosses Act) (Sep 30, 2026)
- [AB 1609](https://www.bankingnewsai.com/ai-regulation/documents/ca-ab-1609-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-ab-1609-2026.md)): Customer Service Chatbots (Right to Human Customer Service Act) (Sep 28, 2026)
- [California SB 53 (Transparency in Frontier AI Act)](https://www.bankingnewsai.com/ai-regulation/documents/ca-sb-53-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-sb-53-2025.md)): Senate Bill 53: Artificial intelligence models: large developers (Transparency in Frontier Artificial Intelligence Act), Chapter 138,… (Sep 29, 2025)
- [CPPA ADMT, risk-assessment and cybersecurity-audit regulations](https://www.bankingnewsai.com/ai-regulation/documents/ca-cppa-admt-risk-cyber-regulations-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-cppa-admt-risk-cyber-regulations-2025.md)): CCPA Updates, Cybersecurity Audits, Risk Assessments, Automated Decisionmaking Technology, and Insurance Companies — approved regulation… (Sep 22, 2025)
- [Civil Rights Council ADS employment regulations](https://www.bankingnewsai.com/ai-regulation/documents/ca-crc-ads-employment-regulations-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-crc-ads-employment-regulations-2025.md)): Modifications to Employment Regulations Regarding Automated-Decision Systems (Fair Employment and Housing Act regulations, 2 CCR) (Jun 27, 2025)
- [California AG legal advisory on AI (Jan 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ca-ag-legal-advisory-ai-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-ag-legal-advisory-ai-2025.md)): Legal Advisory: Application of Existing California Laws to Artificial Intelligence (Jan 13, 2025)
- [Cal. Civ. Code §1798.145 (CCPA exemptions, incl. GLBA data)](https://www.bankingnewsai.com/ai-regulation/documents/ca-civil-code-1798-145) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ca-civil-code-1798-145.md)): California Consumer Privacy Act — exemptions, including the data-level exemption for information subject to the Gramm-Leach-Bliley Act and… (Jun 28, 2018)

### Texas AG

- [Texas TRAIGA (HB 149)](https://www.bankingnewsai.com/ai-regulation/documents/tx-hb-149-traiga) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/tx-hb-149-traiga.md)): Texas Responsible Artificial Intelligence Governance Act (H.B. (Jun 22, 2025)

### Utah Division of Consumer Protection

- [Utah SB 226 (2025)](https://www.bankingnewsai.com/ai-regulation/documents/ut-sb-226-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ut-sb-226-2025.md)): S.B. (Mar 27, 2025)
- [Utah AI Policy Act (SB 149)](https://www.bankingnewsai.com/ai-regulation/documents/ut-sb-149-ai-policy-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ut-sb-149-ai-policy-act.md)): S.B. (Mar 13, 2024)

### Illinois IDHR

- [Illinois HB 3773 (P.A. 103-0804)](https://www.bankingnewsai.com/ai-regulation/documents/il-hb-3773) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/il-hb-3773.md)): Illinois Human Rights Act amendments on artificial intelligence in employment (H.B. (Aug 9, 2024)
- [Illinois AI Video Interview Act (820 ILCS 42)](https://www.bankingnewsai.com/ai-regulation/documents/il-ai-video-interview-act) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/il-ai-video-interview-act.md)): Artificial Intelligence Video Interview Act (820 ILCS 42) (Aug 9, 2019)

### Massachusetts AG

- [Massachusetts AG Earnest Operations settlement (July 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ma-ag-earnest-settlement-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ma-ag-earnest-settlement-2025.md)): Assurance of Discontinuance: In the matter of Earnest Operations LLC (Massachusetts Attorney General, announced July 10, 2025) (Jul 10, 2025)
- [Massachusetts AG AI Advisory (April 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ma-ag-ai-advisory-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ma-ag-ai-advisory-2024.md)): Attorney General Advisory on the Application of the Commonwealth's Consumer Protection, Civil Rights, and Data Privacy Laws to Artificial… (Apr 16, 2024)

### New Jersey DCR

- [NJ DCR Algorithmic Discrimination Guidance (January 2025)](https://www.bankingnewsai.com/ai-regulation/documents/nj-dcr-algorithmic-discrimination-guidance-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nj-dcr-algorithmic-discrimination-guidance-2025.md)): Guidance on Algorithmic Discrimination and the New Jersey Law Against Discrimination (Jan 9, 2025)

### NIST

- [AI RMF critical-infrastructure profile (concept note)](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-rmf-critical-infrastructure-profile-concept-note) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-rmf-critical-infrastructure-profile-concept-note.md)): Concept Note: AI RMF Profile on Trustworthy AI in Critical Infrastructure (Apr 7, 2026)
- [CAISI RFI on AI agent security (2026)](https://www.bankingnewsai.com/ai-regulation/documents/nist-caisi-rfi-ai-agent-security-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-caisi-rfi-ai-agent-security-2026.md)): Request for Information: Security Considerations for Artificial Intelligence Agents (Jan 12, 2026)
- [NIST IR 8596 (Cyber AI Profile)](https://www.bankingnewsai.com/ai-regulation/documents/nist-ir-8596) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ir-8596.md)): Cybersecurity Framework Profile for Artificial Intelligence (Cyber AI Profile), NIST IR 8596 — preliminary draft (Dec 16, 2025)
- [NIST COSAiS control overlays](https://www.bankingnewsai.com/ai-regulation/documents/nist-cosais-control-overlays) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-cosais-control-overlays.md)): Control Overlays for Securing AI Systems (COSAiS): SP 800-53 overlays for generative, predictive and agentic AI (Aug 14, 2025)
- [NIST AI 100-2e2025 (Adversarial ML)](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-100-2e2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-100-2e2025.md)): Adversarial Machine Learning: A Taxonomy and Terminology of Attacks and Mitigations (NIST AI 100-2e2025) (Mar 24, 2025)
- [NIST SP 800-218A (SSDF profile for generative AI)](https://www.bankingnewsai.com/ai-regulation/documents/nist-sp-800-218a) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-sp-800-218a.md)): Secure Software Development Practices for Generative AI and Dual-Use Foundation Models: An SSDF Community Profile (NIST SP 800-218A) (Jul 26, 2024)
- [NIST AI 600-1 (Generative AI Profile)](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-600-1) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-600-1.md)): Artificial Intelligence Risk Management Framework: Generative Artificial Intelligence Profile (NIST AI 600-1) (Jul 26, 2024)
- [NIST AI RMF Playbook](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-rmf-playbook) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-rmf-playbook.md)): AI Risk Management Framework Playbook (Jan 26, 2023)
- [NIST AI RMF 1.0](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-100-1) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/nist-ai-100-1.md)): Artificial Intelligence Risk Management Framework (AI RMF 1.0), NIST AI 100-1 (Jan 26, 2023)

### EU AI Act

- [Regulation (EU) 2026/1744 (Digital Omnibus on AI)](https://www.bankingnewsai.com/ai-regulation/documents/eu-digital-omnibus-ai-regulation-2026-1744) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-digital-omnibus-ai-regulation-2026-1744.md)): Regulation (EU) 2026/1744 amending Regulation (EU) 2024/1689 as regards the simplification of the implementation of harmonised rules on… (Jul 24, 2026)
- [Commission guidelines on AI Act Article 50 transparency](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-ai-act-article-50-transparency-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-ai-act-article-50-transparency-2026.md)): Commission Guidelines on the implementation of the transparency obligations for certain AI systems under Article 50 of Regulation (EU)… (Jul 20, 2026)
- [Draft Commission guidelines on high-risk classification](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-draft-guidelines-high-risk-classification-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-draft-guidelines-high-risk-classification-2026.md)): Draft Commission Guidelines on the classification of high-risk AI systems under Article 6 of the AI Act (May 19, 2026)
- [EBA factsheet on the AI Act](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-act-factsheet-banking-payments-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-act-factsheet-banking-payments-2025.md)): AI Act: implications for the EU banking and payments sector (EBA factsheet) (Nov 21, 2025)
- [Commission GPAI model guidelines](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-gpai-obligations-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-gpai-obligations-2025.md)): Commission Guidelines on the scope of the obligations for general-purpose AI models established by Regulation (EU) 2024/1689 (AI Act) (Jul 18, 2025)
- [General-Purpose AI Code of Practice](https://www.bankingnewsai.com/ai-regulation/documents/eu-gpai-code-of-practice-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-gpai-code-of-practice-2025.md)): General-Purpose AI Code of Practice under the AI Act (Transparency, Copyright, and Safety and Security chapters) (Jul 10, 2025)
- [Commission guidelines on the AI system definition](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-ai-system-definition-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-ai-system-definition-2025.md)): Commission Guidelines on the definition of an artificial intelligence system established by Regulation (EU) 2024/1689 (AI Act) (Feb 6, 2025)
- [Commission guidelines on prohibited AI practices](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-prohibited-ai-practices-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-guidelines-prohibited-ai-practices-2025.md)): Commission Guidelines on prohibited artificial intelligence practices established by Regulation (EU) 2024/1689 (AI Act) (Feb 4, 2025)
- [Regulation (EU) 2024/1689](https://www.bankingnewsai.com/ai-regulation/documents/eu-ai-act-regulation-2024-1689) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-ai-act-regulation-2024-1689.md)): Regulation (EU) 2024/1689 laying down harmonised rules on artificial intelligence (Artificial Intelligence Act) (Jul 12, 2024)
- [Consumer Credit Directive (EU) 2023/2225](https://www.bankingnewsai.com/ai-regulation/documents/eu-consumer-credit-directive-2023-2225) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-consumer-credit-directive-2023-2225.md)): Directive (EU) 2023/2225 on credit agreements for consumers (CCD2) — automated creditworthiness assessment provisions (Oct 30, 2023)
- [DORA (Regulation (EU) 2022/2554)](https://www.bankingnewsai.com/ai-regulation/documents/eu-dora-regulation-2022-2554) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-dora-regulation-2022-2554.md)): Regulation (EU) 2022/2554 on digital operational resilience for the financial sector (Digital Operational Resilience Act, DORA) (Dec 27, 2022)
- [GDPR Article 22](https://www.bankingnewsai.com/ai-regulation/documents/eu-gdpr-article-22-automated-decision-making) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eu-gdpr-article-22-automated-decision-making.md)): Regulation (EU) 2016/679 (GDPR), Article 22 — Automated individual decision-making, including profiling (May 4, 2016)

### ECB

- [ECB 'Dear CEO' letter on AI-enabled cybersecurity threats (SSM-2026-0301)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-letter-ai-enabled-cybersecurity-threats-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-letter-ai-enabled-cybersecurity-threats-2026.md)): Addressing AI-enabled cybersecurity threats — letter from the Chair of the Supervisory Board to CEOs of significant institutions (Jul 7, 2026)
- [Elderson speech: 'Strengthening operational resilience for the age of AI' (June 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-elderson-operational-resilience-age-of-ai-speech-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-elderson-operational-resilience-age-of-ai-speech-2026.md)): Strengthening operational resilience for the age of AI — speech by Frank Elderson (Jun 3, 2026)
- [Machado speech: 'Technology is neutral, governance is not' (Feb 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-machado-technology-neutral-governance-speech-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-machado-technology-neutral-governance-speech-2026.md)): Technology is neutral, governance is not: AI adoption in the banking sector — speech by Pedro Machado (Feb 24, 2026)
- [Montagner speech: 'Encouraging innovation, managing risks' (Feb 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-montagner-digital-transformation-speech-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-montagner-digital-transformation-speech-2026.md)): Encouraging innovation, managing risks: the ECB's approach to digital transformation — speech by Patrick Montagner (Feb 3, 2026)
- [Supervision Newsletter: AI use cases for credit scoring and fraud detection (Nov 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-supervision-newsletter-ai-credit-scoring-fraud-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-supervision-newsletter-ai-credit-scoring-fraud-2025.md)): AI's impact on banking: use cases for credit scoring and fraud detection (Supervision Newsletter, November 2025) (Nov 20, 2025)
- [SSM supervisory priorities 2026–28](https://www.bankingnewsai.com/ai-regulation/documents/ecb-ssm-supervisory-priorities-2026-28) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-ssm-supervisory-priorities-2026-28.md)): ECB Banking Supervision: SSM supervisory priorities for 2026–28 (Nov 18, 2025)
- [Machado speech: 'Artificial intelligence and supervision: innovation with caution' (Oct 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-machado-ai-and-supervision-speech-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-machado-ai-and-supervision-speech-2025.md)): Artificial intelligence and supervision: innovation with caution — speech by Pedro Machado (Oct 14, 2025)
- [ECB Guide to internal models (July 2025, ML section)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-guide-to-internal-models-2025-machine-learning) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-guide-to-internal-models-2025-machine-learning.md)): Revised ECB Guide to internal models — expectations for machine-learning techniques in internal models (Jul 28, 2025)
- [ECB Guide on outsourcing cloud services](https://www.bankingnewsai.com/ai-regulation/documents/ecb-guide-outsourcing-cloud-services-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-guide-outsourcing-cloud-services-2025.md)): ECB Guide on outsourcing cloud services to cloud service providers (Jul 16, 2025)
- [Supervision Newsletter: suptech infrastructure (May 2025)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-supervision-newsletter-suptech-may-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-supervision-newsletter-suptech-may-2025.md)): Benefits from advanced technology infrastructure in supervision (Supervision Newsletter, May 2025) (May 14, 2025)
- [ECB digitalisation sound practices report (July 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-digitalisation-key-assessment-criteria-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-digitalisation-key-assessment-criteria-2024.md)): Digitalisation: key assessment criteria and collection of sound practices (Jul 11, 2024)
- [Cipollone speech: 'Artificial intelligence: a central bank's view' (July 2024)](https://www.bankingnewsai.com/ai-regulation/documents/ecb-cipollone-ai-central-bank-view-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-cipollone-ai-central-bank-view-2024.md)): Artificial intelligence: a central bank's view — speech by Piero Cipollone (Jul 4, 2024)
- [ECB FSR May 2024 AI special feature](https://www.bankingnewsai.com/ai-regulation/documents/ecb-fsr-may-2024-ai-special-feature) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ecb-fsr-may-2024-ai-special-feature.md)): The rise of artificial intelligence: benefits and risks for financial stability (Financial Stability Review, May 2024) (May 1, 2024)

### EBA

- [ESA Statement on ICT risks from frontier AI models (JC 2026 25)](https://www.bankingnewsai.com/ai-regulation/documents/esas-jc-2026-25-frontier-ai-statement) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/esas-jc-2026-25-frontier-ai-statement.md)): ESA Statement: Toward a consistent and risk-based approach for ICT risks from frontier AI models (Jul 31, 2026)
- [EBA Chair letter to the Commission on the AI Act mapping exercise (EBA/2025/D/5384)](https://www.bankingnewsai.com/ai-regulation/documents/eba-2025-d-5384-ai-act-mapping-letter) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-2025-d-5384-ai-act-mapping-letter.md)): Outcome of EBA's AI Act mapping exercise — letter to DG FISMA and DG CNECT (Nov 21, 2025)
- [EBA factsheet: AI Act implications for the EU banking and payments sector](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-act-factsheet-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-act-factsheet-2025.md)): AI Act: implications for the EU banking and payments sector (Nov 21, 2025)
- [EBA Work Programme 2026](https://www.bankingnewsai.com/ai-regulation/documents/eba-work-programme-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-work-programme-2026.md)): EBA Work Programme 2026 — AI Act implementation and digital-finance priorities (Oct 1, 2025)
- [EBA report: Rising application of AI in EU banking and payments (Sep 2025)](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-adoption-report-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-adoption-report-2025.md)): Rising application of AI in EU banking and payments sector (Sep 25, 2025)
- [EBA follow-up report on machine learning for IRB models (EBA/REP/2023/28)](https://www.bankingnewsai.com/ai-regulation/documents/eba-rep-2023-28-ml-irb-follow-up) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-rep-2023-28-ml-irb-follow-up.md)): Machine Learning for IRB Models — Follow-up report from the consultation on the Discussion paper on machine learning for IRB models (Aug 4, 2023)
- [EBA/GL/2022/15 (remote customer onboarding)](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2022-15-remote-customer-onboarding) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2022-15-remote-customer-onboarding.md)): EBA/GL/2022/15 Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849 (Nov 22, 2022)
- [EBA discussion paper on machine learning for IRB models](https://www.bankingnewsai.com/ai-regulation/documents/eba-ml-irb-discussion-paper-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-ml-irb-discussion-paper-2021.md)): Discussion Paper on machine learning for IRB models (Nov 11, 2021)
- [EBA Guidelines on loan origination and monitoring (EBA/GL/2020/06)](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2020-06-loan-origination-monitoring) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2020-06-loan-origination-monitoring.md)): Guidelines on loan origination and monitoring (May 29, 2020)
- [EBA Report on Big Data and Advanced Analytics (EBA/REP/2020/01)](https://www.bankingnewsai.com/ai-regulation/documents/eba-rep-2020-01-big-data-advanced-analytics) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eba-rep-2020-01-big-data-advanced-analytics.md)): Report on Big Data and Advanced Analytics (Jan 13, 2020)

### ESMA

- [ESMA AI statement ESMA35-335435667-5924](https://www.bankingnewsai.com/ai-regulation/documents/esma-public-statement-ai-investment-services-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/esma-public-statement-ai-investment-services-2024.md)): Public Statement on the use of Artificial Intelligence (AI) in the provision of retail investment services (May 30, 2024)

### EIOPA

- [EIOPA Opinion on AI governance and risk management (EIOPA-BoS-25-360)](https://www.bankingnewsai.com/ai-regulation/documents/eiopa-opinion-ai-governance-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/eiopa-opinion-ai-governance-2025.md)): EIOPA-BoS-25-360 Opinion on AI governance and risk management (Aug 6, 2025)

### UK (BoE / PRA / FCA)

- [Bailey: Frontier AI and the Question of Governance (Sep 2026)](https://www.bankingnewsai.com/ai-regulation/documents/boe-bailey-frontier-ai-governance-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/boe-bailey-frontier-ai-governance-2026.md)): Frontier AI and the Question of Governance — Governor Andrew Bailey (Sep 30, 2026)
- [FCA multi-firm review: Frontier AI and cyber resilience (Sep 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fca-frontier-ai-cyber-resilience-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fca-frontier-ai-cyber-resilience-2026.md)): Frontier AI and Cyber Resilience (Sep 2, 2026)
- [HM Treasury Financial Services AI Adoption Plan (Jul 2026)](https://www.bankingnewsai.com/ai-regulation/documents/hmt-financial-services-ai-adoption-plan-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hmt-financial-services-ai-adoption-plan-2026.md)): Financial Services AI Adoption Plan (Jul 14, 2026)
- [2026 BoE/FCA AI survey](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2026.md)): The Bank of England and FCA's 2026 AI Survey (Jun 5, 2026)
- [BoE/FCA/HMT joint statement on frontier AI and cyber resilience (May 2026)](https://www.bankingnewsai.com/ai-regulation/documents/uk-joint-statement-frontier-ai-cyber-resilience-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-joint-statement-frontier-ai-cyber-resilience-2026.md)): The Bank, FCA and HM Treasury joint statement on Frontier AI models and cyber resilience (May 15, 2026)
- [BoE/PRA plan for safe AI innovation (Apr 2026)](https://www.bankingnewsai.com/ai-regulation/documents/boe-pra-safe-ai-innovation-plan-letter-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/boe-pra-safe-ai-innovation-plan-letter-2026.md)): Letter from Sarah Breeden and Sam Woods to the Chancellor and Secretaries of State on enabling safe AI innovation (Apr 1, 2026)
- [BoE response to Treasury Committee AI inquiry (Apr 2026)](https://www.bankingnewsai.com/ai-regulation/documents/boe-pra-response-tsc-ai-inquiry-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/boe-pra-response-tsc-ai-inquiry-2026.md)): Response to TSC inquiry report on AI in financial services (Apr 1, 2026)
- [DSIT/DBT strategic letters to regulators (Jan 2026)](https://www.bankingnewsai.com/ai-regulation/documents/gov-uk-dsit-dbt-safe-ai-innovation-letter-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/gov-uk-dsit-dbt-safe-ai-innovation-letter-2026.md)): How will regulators enable safe AI-powered innovation: joint letter from DSIT Secretary of State and DBT Secretary of State (Jan 28, 2026)
- [PRA AI/ML model-risk roundtable (Nov 2025)](https://www.bankingnewsai.com/ai-regulation/documents/pra-mrm-roundtable-ai-ml-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/pra-mrm-roundtable-ai-ml-2025.md)): The PRA holds model risk management roundtable on artificial intelligence and machine learning technologies (Nov 24, 2025)
- [FCA FS25/5](https://www.bankingnewsai.com/ai-regulation/documents/fca-fs25-5-ai-live-testing) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fca-fs25-5-ai-live-testing.md)): FS25/5: AI Live Testing (Sep 9, 2025)
- [Data (Use and Access) Act 2025](https://www.bankingnewsai.com/ai-regulation/documents/uk-data-use-and-access-act-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-data-use-and-access-act-2025.md)): Data (Use and Access) Act 2025 (2025 c. (Jun 19, 2025)
- [FPC Financial Stability in Focus: AI (Apr 2025)](https://www.bankingnewsai.com/ai-regulation/documents/boe-fpc-fsif-ai-financial-system-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/boe-fpc-fsif-ai-financial-system-2025.md)): Financial Stability in Focus: Artificial intelligence in the financial system (Apr 9, 2025)
- [2024 BoE/FCA AI survey](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2024.md)): Artificial intelligence in UK financial services – 2024 (Nov 21, 2024)
- [FCA AI Update (Apr 2024)](https://www.bankingnewsai.com/ai-regulation/documents/fca-ai-update-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fca-ai-update-2024.md)): Artificial Intelligence (AI) update – further to the Government's response to the AI White Paper (Apr 22, 2024)
- [UK AI white paper government response (CP 1019)](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-white-paper-response-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-white-paper-response-2024.md)): A pro-innovation approach to AI regulation: government response to consultation (CP 1019) (Feb 6, 2024)
- [FS2/23](https://www.bankingnewsai.com/ai-regulation/documents/uk-fs2-23-ai-and-machine-learning) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-fs2-23-ai-and-machine-learning.md)): Feedback Statement 2/23: Artificial Intelligence and Machine Learning (Oct 26, 2023)
- [PRA SS1/23](https://www.bankingnewsai.com/ai-regulation/documents/pra-ss1-23-model-risk-management) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/pra-ss1-23-model-risk-management.md)): Supervisory Statement 1/23: Model risk management principles for banks (May 17, 2023)
- [ICO Guidance on AI and data protection](https://www.bankingnewsai.com/ai-regulation/documents/ico-guidance-ai-data-protection) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/ico-guidance-ai-data-protection.md)): Guidance on AI and data protection (ICO) (Mar 15, 2023)
- [2022 BoE/FCA ML survey](https://www.bankingnewsai.com/ai-regulation/documents/uk-ml-in-financial-services-survey-2022) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-ml-in-financial-services-survey-2022.md)): Machine learning in UK financial services (2022 survey) (Oct 11, 2022)
- [DP5/22](https://www.bankingnewsai.com/ai-regulation/documents/uk-dp5-22-ai-and-machine-learning) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/uk-dp5-22-ai-and-machine-learning.md)): Discussion Paper 5/22: Artificial Intelligence and Machine Learning (Oct 11, 2022)
- [FCA PS22/9 Consumer Duty](https://www.bankingnewsai.com/ai-regulation/documents/fca-ps22-9-consumer-duty) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fca-ps22-9-consumer-duty.md)): PS22/9: A new Consumer Duty — Feedback to CP21/36 and final rules (with FG22/5 guidance) (Jul 27, 2022)

### BaFin

- [BaFin guidance on ICT risks in the use of AI](https://www.bankingnewsai.com/ai-regulation/documents/bafin-ai-ict-risk-guidance-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bafin-ai-ict-risk-guidance-2025.md)): Guidance on ICT Risks in the Use of AI at Financial Entities (Dec 18, 2025)
- [BaFin/Bundesbank ML in risk models results](https://www.bankingnewsai.com/ai-regulation/documents/bafin-bundesbank-ml-risk-models-2022) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bafin-bundesbank-ml-risk-models-2022.md)): Machine learning in risk models – Characteristics and supervisory priorities: Responses to the consultation paper (Feb 18, 2022)
- [BaFin BDAI principles paper](https://www.bankingnewsai.com/ai-regulation/documents/bafin-ai-principles-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bafin-ai-principles-2021.md)): Big data and artificial intelligence: Principles for the use of algorithms in decision-making processes (Jun 15, 2021)

### ACPR

- [ACPR discussion document on AI governance](https://www.bankingnewsai.com/ai-regulation/documents/acpr-governance-ai-finance-2020) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/acpr-governance-ai-finance-2020.md)): Governance of Artificial Intelligence in Finance (Jun 11, 2020)

### DNB / AFM

- [AFM and DNB report on the impact of AI](https://www.bankingnewsai.com/ai-regulation/documents/afm-dnb-ai-impact-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/afm-dnb-ai-impact-report-2024.md)): The impact of AI on the financial sector and supervision (Apr 9, 2024)
- [DNB SAFEST AI principles](https://www.bankingnewsai.com/ai-regulation/documents/dnb-safest-ai-principles-2019) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/dnb-safest-ai-principles-2019.md)): General principles for the use of Artificial Intelligence in the financial sector (Jul 25, 2019)

### FINMA

- [FINMA Guidance 08/2024](https://www.bankingnewsai.com/ai-regulation/documents/finma-guidance-08-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/finma-guidance-08-2024.md)): FINMA Guidance 08/2024: Governance and risk management when using artificial intelligence (Dec 18, 2024)

### OSFI

- [OSFI FIFAI II report (AGILE framework)](https://www.bankingnewsai.com/ai-regulation/documents/osfi-fifai-report-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/osfi-fifai-report-2026.md)): FIFAI II: AI Risks and Opportunities: Adopting an AGILE Framework in Canadian Financial Services (Mar 23, 2026)
- [OSFI Guideline E-23](https://www.bankingnewsai.com/ai-regulation/documents/osfi-guideline-e-23) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/osfi-guideline-e-23.md)): Guideline E-23 – Model Risk Management (2027) (Sep 11, 2025)
- [OSFI-FCAC AI Risk Report (2024)](https://www.bankingnewsai.com/ai-regulation/documents/osfi-fcac-ai-risk-report-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/osfi-fcac-ai-risk-report-2024.md)): OSFI-FCAC Risk Report - AI Uses and Risks at Federally Regulated Financial Institutions (Sep 24, 2024)
- [OSFI Guideline B-10](https://www.bankingnewsai.com/ai-regulation/documents/osfi-guideline-b-10) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/osfi-guideline-b-10.md)): Third-Party Risk Management Guideline (Apr 24, 2023)

### MAS

- [MAS Guidelines on Artificial Intelligence Risk Management](https://www.bankingnewsai.com/ai-regulation/documents/mas-guidelines-ai-risk-management-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-guidelines-ai-risk-management-2026.md)): Guidelines on Artificial Intelligence Risk Management for Financial Institutions (Oct 7, 2026)
- [MAS MindForge AI Risk Management Toolkit](https://www.bankingnewsai.com/ai-regulation/documents/mas-mindforge-ai-risk-management-toolkit-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-mindforge-ai-risk-management-toolkit-2026.md)): AI Risk Management: Operationalisation Handbook (Project MindForge AI Risk Management Toolkit) (Mar 20, 2026)
- [MAS Consultation Paper P017-2025 (AI Risk Management Guidelines)](https://www.bankingnewsai.com/ai-regulation/documents/mas-consultation-ai-risk-management-guidelines-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-consultation-ai-risk-management-guidelines-2025.md)): Consultation Paper on Guidelines on Artificial Intelligence Risk Management (Nov 13, 2025)
- [MAS Circular MAS/TCRS/2025/06](https://www.bankingnewsai.com/ai-regulation/documents/mas-circular-cyber-risks-deepfakes-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-circular-cyber-risks-deepfakes-2025.md)): Cyber Risks Associated with Deepfakes (Information Paper) (Sep 18, 2025)
- [MAS AI Model Risk Management information paper](https://www.bankingnewsai.com/ai-regulation/documents/mas-info-paper-ai-model-risk-management-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-info-paper-ai-model-risk-management-2024.md)): Artificial Intelligence Model Risk Management: Observations from a Thematic Review (Information Paper) (Dec 5, 2024)
- [MAS Circular MAS/TCRS/2024/05](https://www.bankingnewsai.com/ai-regulation/documents/mas-circular-cyber-risks-generative-ai-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-circular-cyber-risks-generative-ai-2024.md)): Cyber Risks Associated with Generative Artificial Intelligence (Information Paper) (Jul 30, 2024)
- [MAS FEAT Principles](https://www.bankingnewsai.com/ai-regulation/documents/mas-feat-principles-2018) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/mas-feat-principles-2018.md)): Principles to Promote Fairness, Ethics, Accountability and Transparency (FEAT) in the Use of Artificial Intelligence and Data Analytics in… (Nov 12, 2018)

### HKMA

- [HKMA GenA.I. Sandbox++ joint circular](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-sandbox-plus-plus-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-sandbox-plus-plus-2026.md)): Joint Circular on the Expansion of Generative Artificial Intelligence Sandbox (HKMA, SFC, Insurance Authority and MPFA, 5 March 2026) (Mar 5, 2026)
- [HKMA GenA.I. Sandbox circular](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-sandbox-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-sandbox-2024.md)): Generative Artificial Intelligence Sandbox (HKMA circular inviting applications to the GenA.I. (Sep 20, 2024)
- [HKMA circular on AI for monitoring of suspicious activities](https://www.bankingnewsai.com/ai-regulation/documents/hkma-ai-aml-monitoring-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-ai-aml-monitoring-2024.md)): Use of Artificial Intelligence for Monitoring of Suspicious Activities (HKMA circular, 9 September 2024) (Sep 9, 2024)
- [HKMA GenAI consumer protection circular](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-consumer-protection-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-genai-consumer-protection-2024.md)): Consumer Protection in respect of Use of Generative Artificial Intelligence (HKMA circular, 19 August 2024) (Aug 19, 2024)
- [HKMA BDAI consumer protection principles](https://www.bankingnewsai.com/ai-regulation/documents/hkma-bdai-consumer-protection-2019) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-bdai-consumer-protection-2019.md)): Consumer Protection in respect of Use of Big Data Analytics and Artificial Intelligence by Authorized Institutions (HKMA circular, 5… (Nov 5, 2019)
- [HKMA High-level Principles on Artificial Intelligence](https://www.bankingnewsai.com/ai-regulation/documents/hkma-high-level-principles-ai-2019) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/hkma-high-level-principles-ai-2019.md)): High-level Principles on Artificial Intelligence (HKMA circular to all Authorized Institutions, 1 November 2019) (Nov 1, 2019)

### Hong Kong SFC

- [SFC Circular 26EC32 (AI-enabled cyberattacks)](https://www.bankingnewsai.com/ai-regulation/documents/sfc-circular-ai-enabled-cyberattacks-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sfc-circular-ai-enabled-cyberattacks-2026.md)): Circular to licensed corporations, SFC-licensed virtual asset service providers and associated entities - Enhanced cybersecurity measures… (Jun 2, 2026)
- [SFC Circular 24EC55 (generative AI language models)](https://www.bankingnewsai.com/ai-regulation/documents/sfc-circular-genai-language-models-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/sfc-circular-genai-language-models-2024.md)): Circular to licensed corporations - Use of generative AI language models (Nov 12, 2024)

### Japan FSA

- [Japan FSA/BOJ frontier AI request](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-boj-frontier-ai-request-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-boj-frontier-ai-request-2026.md)): Request regarding 'Short-term Responses by Financial Institutions in Light of Threat Changes from Frontier AI'… (May 22, 2026)
- [Japan FSA AI Discussion Paper v1.1](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-ai-discussion-paper-v1-1-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-ai-discussion-paper-v1-1-2026.md)): AI Discussion Paper (Version 1.1): Preliminary Discussion Points for Promoting the Sound Utilization of AI in the Financial Sector (Mar 3, 2026)
- [Japan FSA AI Discussion Paper v1.0](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-ai-discussion-paper-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/japan-fsa-ai-discussion-paper-2025.md)): AI Discussion Paper (Version 1.0): Preliminary Discussion Points for Promoting the Sound Utilization of AI in the Financial Sector (Mar 4, 2025)

### APRA / ASIC

- [APRA AI Letter to Industry (April 2026)](https://www.bankingnewsai.com/ai-regulation/documents/apra-letter-industry-ai-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/apra-letter-industry-ai-2026.md)): APRA Letter to Industry on Artificial Intelligence (AI) (Apr 30, 2026)
- [ASIC REP 798](https://www.bankingnewsai.com/ai-regulation/documents/asic-rep-798) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/asic-rep-798.md)): REP 798 Beware the gap: Governance arrangements in the face of AI innovation (Oct 29, 2024)
- [APRA CPS 230](https://www.bankingnewsai.com/ai-regulation/documents/apra-cps-230) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/apra-cps-230.md)): Prudential Standard CPS 230 Operational Risk Management (Jul 17, 2023)
- [APRA CPS 234](https://www.bankingnewsai.com/ai-regulation/documents/apra-cps-234) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/apra-cps-234.md)): Prudential Standard CPS 234 Information Security (Nov 30, 2018)

### RBI

- [RBI draft Guidance on Regulatory Principles for Model Risk Management](https://www.bankingnewsai.com/ai-regulation/documents/rbi-model-risk-management-guidance-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/rbi-model-risk-management-guidance-2026.md)): Guidance on Regulatory Principles for Model Risk Management, 2026 (draft released for public comments) (Jun 24, 2026)
- [RBI FREE-AI framework](https://www.bankingnewsai.com/ai-regulation/documents/rbi-free-ai-framework-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/rbi-free-ai-framework-2025.md)): Framework for Responsible and Ethical Enablement of Artificial Intelligence (FREE-AI) Committee Report (Aug 13, 2025)
- [RBI draft circular on Regulatory Principles for Management of Model Risks in Credit](https://www.bankingnewsai.com/ai-regulation/documents/rbi-model-risks-credit-circular-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/rbi-model-risks-credit-circular-2024.md)): Regulatory Principles for Management of Model Risks in Credit (draft circular for comments) (Aug 5, 2024)

### FSB

- [FSB Chair's letter to G20 (Aug 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-chair-letter-g20-august-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-chair-letter-g20-august-2026.md)): FSB Chair's letter to G20 Finance Ministers and Central Bank Governors: August 2026 — risks arising from frontier artificial intelligence… (Aug 31, 2026)
- [Responses to FSB AI sound practices consultation (Aug 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-sound-practices-consultation-responses-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-sound-practices-consultation-responses-2026.md)): Public responses to consultation on Sound Practices for Responsible Adoption of Artificial Intelligence (AI) (Aug 6, 2026)
- [Bowman remarks at FSB AI outreach (July 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-bowman-remarks-ai-sound-practices-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-bowman-remarks-ai-sound-practices-2026.md)): Opening remarks on sound practices for artificial intelligence (FSB virtual outreach event) (Jul 7, 2026)
- [FSB AI sound practices consultation (June 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-sound-practices-consultation-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-sound-practices-consultation-2026.md)): Sound Practices for Responsible Adoption of Artificial Intelligence (AI): Consultation report (Jun 10, 2026)
- [FSB next steps on AI monitoring (Oct 2025)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-next-steps-authorities-ai-monitoring-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-next-steps-authorities-ai-monitoring-2025.md)): FSB outlines next steps for authorities on AI monitoring (Oct 10, 2025)
- [FSB AI monitoring report (Oct 2025)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-monitoring-ai-adoption-vulnerabilities-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-monitoring-ai-adoption-vulnerabilities-2025.md)): Monitoring Adoption of Artificial Intelligence and Related Vulnerabilities in the Financial Sector (Oct 10, 2025)
- [FSB AI financial stability report (Nov 2024)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-financial-stability-implications-of-ai-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-financial-stability-implications-of-ai-2024.md)): The Financial Stability Implications of Artificial Intelligence (Nov 14, 2024)
- [FSB third-party risk toolkit (2023)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-third-party-risk-toolkit-2023) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-third-party-risk-toolkit-2023.md)): Final Report on Enhancing Third-party Risk Management and Oversight: A toolkit for financial institutions and financial authorities (Dec 4, 2023)
- [FSB 2017 AI/ML report](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-ml-financial-services-2017) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-ml-financial-services-2017.md)): Artificial intelligence and machine learning in financial services: Market developments and financial stability implications (Nov 1, 2017)

### Basel Committee

- [BCBS ICT Risk Management Report (June 2026)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-ict-risk-management-range-of-practices-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-ict-risk-management-range-of-practices-2026.md)): Information and communication technology risk management: range of practices (Jun 2, 2026)
- [BCBS 239 Implementation Newsletter (Jan 2026)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-newsletter-bcbs239-implementation-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-newsletter-bcbs239-implementation-2026.md)): Implementation of the Principles for effective risk data aggregation and risk reporting (BCBS 239 Principles) (Jan 6, 2026)
- [BCBS Third-Party Risk Principles (Dec 2025)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-third-party-risk-principles-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-third-party-risk-principles-2025.md)): Principles for the sound management of third-party risk (Dec 10, 2025)
- [BCBS Work Programme 2025–26](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-work-programme-2025-26) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-work-programme-2025-26.md)): Basel Committee work programme and strategic priorities for 2025/26 (Feb 4, 2025)
- [BCBS Digitalisation of finance report (May 2024)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-digitalisation-of-finance-2024) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-digitalisation-of-finance-2024.md)): Digitalisation of finance (May 16, 2024)
- [BCBS AI/ML Newsletter (March 2022)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-newsletter-ai-ml-2022) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-newsletter-ai-ml-2022.md)): Newsletter on artificial intelligence and machine learning (Mar 16, 2022)
- [BCBS Principles for Operational Resilience (2021)](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-principles-operational-resilience-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-principles-operational-resilience-2021.md)): Principles for Operational Resilience (Mar 31, 2021)
- [BCBS 239](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-239) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/bcbs-239.md)): Principles for effective risk data aggregation and risk reporting (Jan 9, 2013)

### FATF

- [FATF horizon scan on AI and deepfakes (2025)](https://www.bankingnewsai.com/ai-regulation/documents/fatf-horizon-scan-ai-deepfakes-2025) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fatf-horizon-scan-ai-deepfakes-2025.md)): Horizon Scan: Artificial Intelligence and Deepfakes — Impacts on Money Laundering, Terrorist Financing and Proliferation Financing (Dec 22, 2025)
- [FATF data pooling and collaborative analytics stocktake (2021)](https://www.bankingnewsai.com/ai-regulation/documents/fatf-data-pooling-collaborative-analytics-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fatf-data-pooling-collaborative-analytics-2021.md)): Stocktake on Data Pooling, Collaborative Analytics and Data Protection (Jul 1, 2021)
- [FATF new technologies for AML/CFT report (2021)](https://www.bankingnewsai.com/ai-regulation/documents/fatf-new-technologies-aml-cft-2021) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fatf-new-technologies-aml-cft-2021.md)): Opportunities and Challenges of New Technologies for AML/CFT (Jul 1, 2021)
- [FATF Guidance on Digital Identity (2020)](https://www.bankingnewsai.com/ai-regulation/documents/fatf-digital-identity-guidance-2020) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fatf-digital-identity-guidance-2020.md)): Guidance on Digital Identity (Mar 6, 2020)
- [FATF Recommendations](https://www.bankingnewsai.com/ai-regulation/documents/fatf-recommendations) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/fatf-recommendations.md)): International Standards on Combating Money Laundering and the Financing of Terrorism & Proliferation: The FATF Recommendations… (Feb 15, 2012)

### IOSCO

- [IOSCO FR/02/2026](https://www.bankingnewsai.com/ai-regulation/documents/iosco-ai-capital-markets-fr02-2026) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/iosco-ai-capital-markets-fr02-2026.md)): Supervisory Toolkit for AI Use in Capital Markets: Final Report (May 25, 2026)
- [IOSCO FR06/2021](https://www.bankingnewsai.com/ai-regulation/documents/iosco-fr06-2021-ai-ml-guidance) ([markdown](https://www.bankingnewsai.com/ai-regulation/documents/iosco-fr06-2021-ai-ml-guidance.md)): The use of artificial intelligence and machine learning by market intermediaries and asset managers: Final Report (Sep 7, 2021)

## Markdown versions

Clean-text twins of the reference pages, one per line (append `.md` to any reference page URL for the same result):

- https://www.bankingnewsai.com/ai-regulation.md
- https://www.bankingnewsai.com/ai-regulation/documents.md
- https://www.bankingnewsai.com/ai-regulation/deadlines.md
- https://www.bankingnewsai.com/ai-regulation/compliance-checklist.md
- https://www.bankingnewsai.com/ai-regulation/regulator-warnings.md
- https://www.bankingnewsai.com/ai-regulation/by-use-case.md
- https://www.bankingnewsai.com/ai-regulation/for-bank-executives.md
- https://www.bankingnewsai.com/ai-regulation/for-compliance-officers.md
- https://www.bankingnewsai.com/ai-regulation/compare.md
- https://www.bankingnewsai.com/banks.md
- https://www.bankingnewsai.com/banks/ai-index.md
- https://www.bankingnewsai.com/banks/technology-leaders.md
- https://www.bankingnewsai.com/banks/generative-ai.md
- https://www.bankingnewsai.com/fintech.md
- https://www.bankingnewsai.com/ai-tools.md
- https://www.bankingnewsai.com/ai-governance.md
- https://www.bankingnewsai.com/ai-fraud-detection.md
- https://www.bankingnewsai.com/model-risk-management.md
- https://www.bankingnewsai.com/ai-chatbots-in-banking.md
- https://www.bankingnewsai.com/ai-treasury-management.md
- https://www.bankingnewsai.com/agentic-banking.md
- https://www.bankingnewsai.com/agentic-banking/control-plane.md
- https://www.bankingnewsai.com/agentic-banking/lifecycle.md
- https://www.bankingnewsai.com/agentic-banking/regulation.md
- https://www.bankingnewsai.com/agentic-banking/build.md
- https://www.bankingnewsai.com/ai-regulation/federal-reserve.md
- https://www.bankingnewsai.com/ai-regulation/occ.md
- https://www.bankingnewsai.com/ai-regulation/fdic.md
- https://www.bankingnewsai.com/ai-regulation/ncua.md
- https://www.bankingnewsai.com/ai-regulation/cfpb.md
- https://www.bankingnewsai.com/ai-regulation/sec.md
- https://www.bankingnewsai.com/ai-regulation/cftc.md
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