AI Regulation Tracker · Calendar

When do AI rules for banks take effect?
Every deadline, one calendar.

Last updated Aug 26, 2026 · Recomputed daily

The next AI-regulation deadline for banks is Oct 20, 2026: CFTC — CFTC Compute Derivatives RFC: comment period closes. 2 consultations are open for comment right now. This calendar is generated from the tracker's document data — comment deadlines, effective dates, and application milestones across 18 authorities — and recomputed every day.

Open for comment

Which AI consultations can banks still respond to?

ClosesAuthorityConsultation
Oct 20, 2026CFTCCFTC Compute Derivatives RFC — Request for Comment on the Listing of Compute Derivatives Contracts
Oct 26, 2026COLORADO-AI-ACTColorado AG proposed ADMT rules — Proposed Automated Decision-Making Technology and Conversational AI Service Rules (Notice of Rulemaking Hearing)
Upcoming

What AI regulation deadlines are coming up for banks?

DateAuthorityWhatEvent
Oct 20, 2026CFTCCFTC Compute Derivatives RFC: comment period closesComment deadline
Oct 26, 2026Colorado AI ActColorado AG proposed ADMT rules: comment period closesComment deadline
Oct 31, 2026ECBDeadline for significant institutions to submit AI-cyber action plans to their JSTsMilestone
Nov 20, 2026EU AI ActConsumer Credit Directive (EU) 2023/2225 takes effectTakes effect
Jan 1, 2027Colorado AI ActSB 26-189 takes effectTakes effect
Jan 1, 2027Colorado AI ActHB 26-1263 takes effectTakes effect
Dec 2, 2027EU AI ActHigh-risk AI obligations for stand-alone Annex III systems become applicableMilestone
Aug 2, 2028EU AI ActDeferred deadline for high-risk AI embedded in regulated productsMilestone
Past deadlines

Which AI rules have already taken effect?

DateAuthorityWhatEvent
Aug 20, 2026CFTCInaugural Innovation Advisory Committee meeting: 'Preparing for Intelligent Markets'Milestone
Aug 5, 2026UK (BoE / PRA / FCA)AI Consortium June 2026 minutes publishedMilestone
Aug 2, 2026EU AI ActArticle 50 transparency obligations apply; Annex III high-risk start deferredMilestone
Jul 31, 2026UK (BoE / PRA / FCA)2026 BoE/FCA AI survey closes to responsesMilestone
Jul 31, 2026UK (BoE / PRA / FCA)2026 BoE/FCA AI survey: comment period closesComment deadline
Jul 27, 2026EU AI ActRegulation (EU) 2026/1744 (Digital Omnibus on AI) takes effectTakes effect
Jul 23, 2026EU AI ActDraft Commission guidelines on high-risk classification: comment period closesComment deadline
Jul 22, 2026FSBComment deadline passes on FSB AI sound-practices consultationMilestone
Jul 22, 2026FSBFSB AI sound practices consultation (June 2026): comment period closesComment deadline
Jul 21, 2026CFPBAmended Regulation B takes effect: no disparate-impact liability under ECOAMilestone
Jul 21, 2026CFPBRegulation B final rule on disparate impact (April 2026) takes effectTakes effect
Jun 30, 2026Colorado AI ActOriginal SB 24-205 effective date passes without the law taking effectMilestone
Jun 9, 2026FinCENComment period closes on the April 2026 AML/CFT program proposalMilestone
Jun 9, 2026FinCEN2026 AML/CFT Program Proposed Rule: comment period closesComment deadline
May 20, 2026Basel CommitteeCommittee flags frontier AI models as a cyber-risk accelerantMilestone
Apr 27, 2026Colorado AI ActAG commits not to enforce until rulemaking concludes; federal court stays xAI challengeMilestone
Apr 17, 2026NISTUS model-risk revision amplifies the RMF's roleMilestone
Apr 17, 2026FinCEN2021 BSA/AML model risk statement rescindedMilestone
Apr 17, 2026NCUANCUA sits out the revised interagency model risk management guidanceMilestone
Mar 24, 2026CFTCInnovation Task Force formed with an AI and autonomous systems workstreamMilestone
Mar 9, 2026NISTCAISI RFI on AI agent security (2026): comment period closesComment deadline
Feb 18, 2026U.S. TreasuryTreasury announces completion of the AIEOG public-private AI initiativeMilestone
Jan 30, 2026NISTNIST IR 8596 (Cyber AI Profile): comment period closesComment deadline
Jan 12, 2026CFTCTechnology Advisory Committee renamed Innovation Advisory CommitteeMilestone
Jan 1, 2026EBAEBA Work Programme 2026 takes effectTakes effect
Jan 1, 2026ECBSSM supervisory priorities 2026–28 takes effectTakes effect
Dec 22, 2025NY DFSRAISE Act signed; DFS to house frontier-AI oversight officeMilestone
Nov 1, 2025NY DFSFinal Part 500 Second Amendment provisions take effectMilestone
Oct 18, 2025NY DFSKaitlin Asrow becomes Acting SuperintendentMilestone
Aug 2, 2025EU AI ActGeneral-purpose AI (GPAI) obligations applyMilestone
Aug 2, 2025EU AI ActGeneral-Purpose AI Code of Practice takes effectTakes effect
Aug 1, 2025SECSEC AI Task Force launched; Valerie Szczepanik named Chief AI OfficerMilestone
Jul 23, 2025U.S. TreasuryWhite House releases America's AI Action PlanMilestone
May 19, 2025NCUAGAO-25-107197 recommends NCUA broaden its model risk management guidanceMilestone
May 12, 2025CFPBCFPB withdraws 67 guidance documents, including AI adverse-action Circulars 2022-03 and 2023-03Milestone
May 2, 2025UK (BoE / PRA / FCA)BoE/FCA AI Consortium launchesMilestone
Feb 20, 2025SECCyber and Emerging Technologies Unit (CETU) createdMilestone
Feb 2, 2025EU AI ActProhibited practices and AI-literacy obligations applyMilestone
Jan 23, 2025U.S. TreasuryExecutive Order 14179 'Removing Barriers to American Leadership in Artificial Intelligence' signedMilestone
Sep 3, 2024FinCENComment period closes on the July 2024 AML/CFT program proposalMilestone
Sep 3, 2024FinCEN2024 AML/CFT Program Proposed Rule (withdrawn): comment period closesComment deadline
Aug 12, 2024U.S. TreasuryTreasury AI RFI (June 2024): comment period closesComment deadline
Aug 1, 2024EU AI ActRegulation (EU) 2024/1689 takes effectTakes effect
May 17, 2024UK (BoE / PRA / FCA)SS1/23 model risk management principles take effectMilestone
May 17, 2024UK (BoE / PRA / FCA)PRA SS1/23 takes effectTakes effect
Apr 24, 2024CFTCCFTC AI Request for Comment (2024): comment period closesComment deadline
Mar 17, 2024NY DFSDFS Proposed AI Insurance Circular Letter (Jan 2024): comment period closesComment deadline
Dec 14, 2023Federal ReserveFSOC annual report identifies AI as a financial-system vulnerability for the first timeMilestone
Oct 10, 2023SECSEC Predictive Data Analytics proposal (34-97990): comment period closesComment deadline
Feb 10, 2023UK (BoE / PRA / FCA)DP5/22 comment period closesMilestone
Feb 10, 2023UK (BoE / PRA / FCA)DP5/22: comment period closesComment deadline
Feb 11, 2022EBAConsultation on the ML-for-IRB discussion paper closesMilestone
Feb 11, 2022EBAEBA discussion paper on machine learning for IRB models: comment period closesComment deadline
Jul 1, 2021NCUAInteragency AI RFI comment period closesMilestone
Jul 1, 2021FDICComment period closes on the interagency AI RFIMilestone
Jul 1, 2021NCUA2021 Interagency AI RFI: comment period closesComment deadline
Jul 1, 2021FDICFDIC FIL-20-2021: comment period closesComment deadline
Jul 1, 2021OCC2021 Interagency AI RFI (OCC Bulletin 2021-17): comment period closesComment deadline
Jul 1, 2021Federal Reserve2021 Interagency AI RFI: comment period closesComment deadline
Jun 30, 2021EBAEBA Guidelines on loan origination and monitoring (EBA/GL/2020/06) takes effectTakes effect
Jun 11, 2021OCCOCC Bulletin 2021-19: comment period closesComment deadline
May 25, 2018EU AI ActGDPR Article 22 takes effectTakes effect
Jan 1, 2016Basel CommitteeBCBS 239 takes effectTakes effect
Apr 25, 1971CFPBFCRA adverse action and credit-score disclosures (15 U.S.C. 1681m, 1681g(f)) takes effectTakes effect
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