# AI regulation deadlines for banks

Source: https://www.bankingnewsai.com/ai-regulation/deadlines
Last updated: Oct 5, 2026

Comment deadlines, effective dates and milestones computed from the tracked documents. 20 upcoming as of Oct 11, 2026.

## Upcoming

| Date | Kind | Authority | What |
| --- | --- | --- | --- |
| Oct 20, 2026 | Comment deadline | [CFTC](https://www.bankingnewsai.com/ai-regulation/cftc) | [CFTC Compute Derivatives RFC](https://www.bankingnewsai.com/ai-regulation/documents/cftc-compute-derivatives-rfc-2026): CFTC Compute Derivatives RFC: comment period closes |
| Oct 26, 2026 | Comment deadline | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [Colorado AG proposed ADMT rules](https://www.bankingnewsai.com/ai-regulation/documents/co-ag-admt-proposed-rules-2026): Colorado AG proposed ADMT rules: comment period closes |
| Oct 31, 2026 | Milestone | [ECB](https://www.bankingnewsai.com/ai-regulation/ecb) | [Deadline for significant institutions to submit AI-cyber action plans to their JSTs](https://www.bankingsupervision.europa.eu/press/letterstobanks/shared/pdf/2026/ssm.2026_letter_on_AI_enabled_cybersecurity_threats.en.pdf) |
| Nov 2026 | Milestone | [NY DFS](https://www.bankingnewsai.com/ai-regulation/ny-dfs) | [RAISE Act: DFS begins directing large frontier developers to register](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20260921) |
| Nov 20, 2026 | Takes effect | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Consumer Credit Directive (EU) 2023/2225](https://www.bankingnewsai.com/ai-regulation/documents/eu-consumer-credit-directive-2023-2225): Consumer Credit Directive (EU) 2023/2225 takes effect |
| Dec 1, 2026 | Milestone | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [Regulation 10-1-1: annual life insurer reports and non-use attestations due](https://doi.colorado.gov/for-consumers/sb21-169-protecting-consumers-from-unfair-discrimination-in-insurance-practices) |
| Dec 2, 2026 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Article 50(2) marking transition ends](https://digital-strategy.ec.europa.eu/en/library/guidelines-transparency-obligations-providers-and-deployers-ai-systems) |
| Jan 1, 2027 | Takes effect | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [SB 26-189](https://www.bankingnewsai.com/ai-regulation/documents/co-sb26-189): SB 26-189 takes effect |
| Jan 1, 2027 | Takes effect | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [HB 26-1263](https://www.bankingnewsai.com/ai-regulation/documents/co-hb26-1263): HB 26-1263 takes effect |
| Jan 1, 2027 | Takes effect | [California CPPA](https://www.bankingnewsai.com/ai-regulation/california) | [AB 1609](https://www.bankingnewsai.com/ai-regulation/documents/ca-ab-1609-2026): AB 1609 takes effect |
| Jan 1, 2027 | Takes effect | [NY DFS](https://www.bankingnewsai.com/ai-regulation/ny-dfs) | [New York RAISE Act](https://www.bankingnewsai.com/ai-regulation/documents/ny-raise-act): New York RAISE Act takes effect |
| Jan 1, 2027 | Milestone | [NY DFS](https://www.bankingnewsai.com/ai-regulation/ny-dfs) | [RAISE Act takes effect](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20260921) |
| May 1, 2027 | Takes effect | [OSFI](https://www.bankingnewsai.com/ai-regulation/osfi) | [OSFI Guideline E-23](https://www.bankingnewsai.com/ai-regulation/documents/osfi-guideline-e-23): OSFI Guideline E-23 takes effect |
| Jul 1, 2027 | Takes effect | [California CPPA](https://www.bankingnewsai.com/ai-regulation/california) | [SB 947](https://www.bankingnewsai.com/ai-regulation/documents/ca-sb-947-2026): SB 947 takes effect |
| Jul 1, 2027 | Milestone | [Utah Division of Consumer Protection](https://www.bankingnewsai.com/ai-regulation/utah) | [Scheduled repeal of the Artificial Intelligence Policy Act (Title 13, Chapter 72)](https://le.utah.gov/Session/2025/bills/enrolled/SB0332.pdf) |
| Jul 10, 2027 | Milestone | [EBA](https://www.bankingnewsai.com/ai-regulation/eba) | [EU Anti-Money Laundering Regulation applies](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1624) |
| Aug 2, 2027 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Deadline for general-purpose AI models placed on the market before August 2025](https://digital-strategy.ec.europa.eu/en/library/guidelines-scope-obligations-providers-general-purpose-ai-models-under-ai-act) |
| Dec 2, 2027 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [High-risk AI obligations for stand-alone Annex III systems become applicable](https://artificialintelligenceact.eu/implementation-timeline/) |
| Dec 2, 2027 | Milestone | [BaFin](https://www.bankingnewsai.com/ai-regulation/bafin) | [BaFin begins monitoring high-risk AI system requirements](https://www.bafin.de/EN/unternehmen-maerkte/aufsicht/alle-unternehmen/ki-marktueberwachung/ki-marktueberwachung_en.html) |
| Aug 2, 2028 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Deferred deadline for high-risk AI embedded in regulated products](https://artificialintelligenceact.eu/implementation-timeline/) |

## Recent

| Date | Kind | Authority | What |
| --- | --- | --- | --- |
| Oct 1, 2026 | Milestone | [Basel Committee](https://www.bankingnewsai.com/ai-regulation/basel-committee) | [Committee agrees to review operational-risk loss categories for AI and cyber risk](https://www.bis.org/media-releases/20261001-basel-committee-meets-advance-supervisory-and-regulatory-initiatives-and-discuss-risks-and) |
| Sep 30, 2026 | Milestone | [ACPR](https://www.bankingnewsai.com/ai-regulation/acpr) | [ACPR algorithmic fairness consultation closes](https://acpr.banque-france.fr/fr/communiques-de-presse/lacpr-lance-une-consultation-publique-sur-lequite-algorithmique) |
| Sep 29, 2026 | Milestone | [White House](https://www.bankingnewsai.com/ai-regulation/white-house) | [EO 14434 directs agencies to say 'Super Intelligence' instead of 'AI'](https://www.federalregister.gov/documents/2026/10/02/2026-20321/inaugurating-the-era-of-super-intelligence) |
| Sep 23, 2026 | Milestone | [ESMA](https://www.bankingnewsai.com/ai-regulation/esma) | [ESMA announces digital innovation Union Strategic Supervisory Priority from 2027](https://www.esma.europa.eu/press-news/esma-news/esma-sets-new-supervisory-priority-digital-innovation-2027) |
| Sep 21, 2026 | Milestone | [NY DFS](https://www.bankingnewsai.com/ai-regulation/ny-dfs) | [RAISE Act implementation: registration opens November 2026, DIGIT office staffed](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20260921) |
| Sep 21, 2026 | Milestone | [CFTC](https://www.bankingnewsai.com/ai-regulation/cftc) | [Innovation Task Force announces Frontier Forum Series; inaugural forum on AI and agentic finance Oct 28, 2026](https://www.cftc.gov/PressRoom/PressReleases/9301-26) |
| Sep 16, 2026 | Milestone | [NIST](https://www.bankingnewsai.com/ai-regulation/nist) | Conference of State Bank Supervisors cites the RMF in its new AI Supervisory Framework |
| Sep 15, 2026 | Milestone | [NCUA](https://www.bankingnewsai.com/ai-regulation/ncua) | [NCUA joins the OCC, Fed and FDIC on a proposed interagency Third-Party Risk Management guidance — its first joint banking-agency guidance](https://www.federalregister.gov/documents/2026/09/15/2026-18859/proposed-third-party-risk-management-guidance) |
| Sep 1, 2026 | Milestone | [Texas AG](https://www.bankingnewsai.com/ai-regulation/texas) | [Deadline for the Attorney General to post the TRAIGA information and online complaint mechanism](https://texasattorneygeneral.gov/consumer-protection/file-consumer-complaint/consumer-ai-rights) |
| Aug 31, 2026 | Milestone | [California CPPA](https://www.bankingnewsai.com/ai-regulation/california) | [Legislature adjourns: AB 1018 not passed; chatbot and workplace-ADS bills go to the Governor](https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1018) |
| Aug 27, 2026 | Milestone | [APRA / ASIC](https://www.bankingnewsai.com/ai-regulation/australia) | [APRA and ASIC urge action on frontier AI after industry roundtables](https://www.apra.gov.au/news-and-publications/apra-and-asic-warn-frontier-ai-awareness-must-turn-action) |
| Aug 27, 2026 | Milestone | [HKMA](https://www.bankingnewsai.com/ai-regulation/hkma) | [First GenA.I. Sandbox++ cohort announced](https://www.hkma.gov.hk/eng/news-and-media/press-releases/2026/08/20260827-3/) |
| Aug 20, 2026 | Milestone | [CFTC](https://www.bankingnewsai.com/ai-regulation/cftc) | [Inaugural Innovation Advisory Committee meeting: 'Preparing for Intelligent Markets'](https://www.cftc.gov/PressRoom/Events/opaeventiac082026) |
| Aug 5, 2026 | Milestone | [MAS](https://www.bankingnewsai.com/ai-regulation/mas) | [Parliamentary reply: AI Risk Management Guidelines to be finalised soon](https://www.mas.gov.sg/news/parliamentary-replies/2026/written-reply-to-parliamentary-question-on-agentic-ai-in-financial-services) |
| Aug 5, 2026 | Milestone | [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) | [AI Consortium June 2026 minutes published](https://www.bankofengland.co.uk/minutes/2026/june/ai-consortium-minutes-3-june-2026) |
| Aug 2, 2026 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Article 50 transparency obligations apply; Annex III high-risk start deferred](https://artificialintelligenceact.eu/implementation-timeline/) |
| Jul 31, 2026 | Milestone | [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) | [2026 BoE/FCA AI survey closes to responses](https://www.bankofengland.co.uk/prudential-regulation/regulatory-digest/2026/june-2026) |
| Jul 31, 2026 | Comment deadline | [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) | [2026 BoE/FCA AI survey](https://www.bankingnewsai.com/ai-regulation/documents/uk-ai-in-financial-services-survey-2026): 2026 BoE/FCA AI survey: comment period closes |
| Jul 29, 2026 | Milestone | [BaFin](https://www.bankingnewsai.com/ai-regulation/bafin) | [BaFin sets out its role as AI Act market surveillance authority for financial services](https://www.bafin.de/EN/unternehmen-maerkte/aufsicht/alle-unternehmen/ki-marktueberwachung/ki-marktueberwachung_en.html) |
| Jul 28, 2026 | Milestone | [MAS](https://www.bankingnewsai.com/ai-regulation/mas) | [MAS and ABS establish the AI-Driven Cyber and Technology Risk Taskforce](https://www.mas.gov.sg/news/media-releases/2026/mas-and-abs-establish-taskforce-to-strengthen-cyber-and-technology-resilience) |
| Jul 27, 2026 | Takes effect | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/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): Regulation (EU) 2026/1744 (Digital Omnibus on AI) takes effect |
| Jul 24, 2026 | Milestone | [RBI](https://www.bankingnewsai.com/ai-regulation/rbi) | [Comment period on the draft Model Risk Management Guidance closes](https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=63006) |
| Jul 24, 2026 | Comment deadline | [RBI](https://www.bankingnewsai.com/ai-regulation/rbi) | [RBI draft Guidance on Regulatory Principles for Model Risk Management](https://www.bankingnewsai.com/ai-regulation/documents/rbi-model-risk-management-guidance-2026): RBI draft Guidance on Regulatory Principles for Model Risk Management: comment period closes |
| Jul 23, 2026 | Comment deadline | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Draft Commission guidelines on high-risk classification](https://www.bankingnewsai.com/ai-regulation/documents/eu-commission-draft-guidelines-high-risk-classification-2026): Draft Commission guidelines on high-risk classification: comment period closes |
| Jul 22, 2026 | Milestone | [FSB](https://www.bankingnewsai.com/ai-regulation/fsb) | [Comment deadline passes on FSB AI sound-practices consultation](https://www.fsb.org/2026/08/public-responses-to-consultation-on-sound-practices-for-responsible-adoption-of-artificial-intelligence-ai/) |
| Jul 22, 2026 | Comment deadline | [FSB](https://www.bankingnewsai.com/ai-regulation/fsb) | [FSB AI sound practices consultation (June 2026)](https://www.bankingnewsai.com/ai-regulation/documents/fsb-ai-sound-practices-consultation-2026): FSB AI sound practices consultation (June 2026): comment period closes |
| Jul 21, 2026 | Milestone | [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) | [Amended Regulation B takes effect: no disparate-impact liability under ECOA](https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b) |
| Jul 21, 2026 | Takes effect | [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) | [Regulation B final rule on disparate impact (April 2026)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-regulation-b-final-rule-2026): Regulation B final rule on disparate impact (April 2026) takes effect |
| Jul 9, 2026 | Milestone | [FINRA](https://www.bankingnewsai.com/ai-regulation/finra) | [FINRA proposes to modernize Rule 2210, citing generative AI (Regulatory Notice 26-14)](https://www.finra.org/rules-guidance/notices/26-14) |
| Jul 3, 2026 | Milestone | [MAS](https://www.bankingnewsai.com/ai-regulation/mas) | [MAS releases SAFR white paper on safeguards for AI agents](https://www.mas.gov.sg/news/media-releases/2026/mas-partners-industry-to-develop-safeguards-for-ai-agents-in-finance) |
| Jul 1, 2026 | Milestone | [APRA / ASIC](https://www.bankingnewsai.com/ai-regulation/australia) | [Amended CPS 230 and CPG 230 commence](https://www.apra.gov.au/news-and-publications/apra-finalises-targeted-amendments-cps-230-operational-risk-management) |
| Jul 1, 2026 | Milestone | [ACPR](https://www.bankingnewsai.com/ai-regulation/acpr) | [ACPR launches public consultation on algorithmic fairness](https://acpr.banque-france.fr/fr/communiques-de-presse/lacpr-lance-une-consultation-publique-sur-lequite-algorithmique) |
| Jul 1, 2026 | Milestone | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [Regulation 10-1-1: auto and health insurers' first governance report](https://doi.colorado.gov/for-consumers/sb21-169-protecting-consumers-from-unfair-discrimination-in-insurance-practices) |
| Jul 1, 2026 | Milestone | [White House](https://www.bankingnewsai.com/ai-regulation/white-house) | [FTC seeks comment on a proposed policy statement on AI accuracy under EO 14365 Sec. 7](https://www.ftc.gov/news-events/news/press-releases/2026/07/ftc-seeks-public-comment-policy-statement-addressing-ai-accuracy) |
| Jul 2026 | Milestone | [OSFI](https://www.bankingnewsai.com/ai-regulation/osfi) | [Technology Risk Bulletin on generative and agentic AI](https://www.osfi-bsif.gc.ca/en/risks/technology-cyber-risk-management/technology-risk-bulletin/generative-agentic-artificial-intelligence-implications-technology-cyber-security-operational) |
| Jun 30, 2026 | Milestone | [Colorado AI Act](https://www.bankingnewsai.com/ai-regulation/colorado-ai-act) | [Original SB 24-205 effective date passes without the law taking effect](https://leg.colorado.gov/bills/sb26-189) |
| Jun 26, 2026 | Milestone | [IOSCO](https://www.bankingnewsai.com/ai-regulation/iosco) | [Stakeholder feedback on the AI supervisory toolkit closes](https://www.iosco.org/library/pubdocs/pdf/IOSCOPD823.pdf) |
| Jun 22, 2026 | Milestone | [HKMA](https://www.bankingnewsai.com/ai-regulation/hkma) | [Report "Supporting Adoption of Artificial Intelligence in Fighting Financial Crime"](https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20260622-1-EN/20260622-1-EN.pdf) |
| Jun 19, 2026 | Milestone | [UK (BoE / PRA / FCA)](https://www.bankingnewsai.com/ai-regulation/uk) | [Data (Use and Access) Act complaints duty takes effect](https://www.legislation.gov.uk/uksi/2026/82/made) |
| Jun 10, 2026 | Milestone | [EU AI Act](https://www.bankingnewsai.com/ai-regulation/eu-ai-act) | [Code of Practice on marking and labelling AI-generated content published](https://digital-strategy.ec.europa.eu/en/news/commission-publishes-code-practice-marking-and-labelling-ai-generated-content) |

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