159 primary-source documents from 18 authorities govern how banks may build, buy and run AI systems. Each entry below links to its own page with the document's status, key requirements, what it changed, and the official source. The newest documents are listed first; the full index is grouped by issuing authority.
Newest documents
| Date | Authority | Document | Status |
|---|---|---|---|
| Aug 19, 2026 | CFTC | CFTC Compute Derivatives RFC — Request for Comment on the Listing of Compute Derivatives Contracts | Comment period open |
| Aug 11, 2026 | Colorado AI Act | Colorado AG proposed ADMT rules — Proposed Automated Decision-Making Technology and Conversational AI Service Rules (Notice of Rulemaking Hearing) | Comment period open |
| Aug 6, 2026 | FSB | Responses to FSB AI sound practices consultation (Aug 2026) — Public responses to consultation on Sound Practices for Responsible Adoption of Artificial Intelligence (AI) | Final |
| Jul 31, 2026 | EBA | ESA Statement on ICT risks from frontier AI models (JC 2026 25) — ESA Statement: Toward a consistent and risk-based approach for ICT risks from frontier AI models | In force |
| Jul 24, 2026 | EU AI Act | Regulation (EU) 2026/1744 (Digital Omnibus on AI) — Regulation (EU) 2026/1744 amending Regulation (EU) 2024/1689 as regards the simplification of the implementation of harmonised rules on artificial intelligence (Digital Omnibus on AI) | In force |
| Jul 24, 2026 | FinCEN | FIN-2026-Alert004 (Federal Student Aid Fraud) — FinCEN Alert on Fraud Schemes Targeting Federal Student Aid | In force |
| Jul 14, 2026 | UK (BoE / PRA / FCA) | HM Treasury Financial Services AI Adoption Plan (Jul 2026) — Financial Services AI Adoption Plan | Final |
| Jul 7, 2026 | FSB | Bowman remarks at FSB AI outreach (July 2026) — Opening remarks on sound practices for artificial intelligence (FSB virtual outreach event) | Final |
Federal Reserve
What has the Federal Reserve published on AI?
7 documents · How the Federal Reserve regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| May 27, 2026 | Speech | Cook: Opportunities and Risks of AI (May 2026) — The Opportunities and Risks AI Presents for the Economy and Financial System — Governor Lisa D. Cook | Final |
| May 1, 2026 | Speech | Bowman: AI in the Financial System (May 2026) — Artificial Intelligence in the Financial System — Vice Chair for Supervision Michelle W. Bowman | Final |
| Apr 17, 2026 | Guidance | SR 26-2 — Revised Guidance on Model Risk Management | In force |
| Jun 7, 2023 | Guidance | SR 23-4 — Interagency Guidance on Third-Party Relationships: Risk Management | In force |
| Apr 9, 2021 | Guidance | 2021 BSA/AML Model Risk Statement — Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML Compliance | Superseded |
| Mar 31, 2021 | Consultation | 2021 Interagency AI RFI — Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning | Final |
| Apr 4, 2011 | Guidance | SR 11-7 — Supervisory Guidance on Model Risk Management | Superseded |
OCC
What has the OCC published on AI?
8 documents · How the OCC regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| May 7, 2026 | Report | OCC Semiannual Risk Perspective, Spring 2026 — Semiannual Risk Perspective from the National Risk Committee, Spring 2026 | Final |
| Apr 17, 2026 | Guidance | OCC Bulletin 2026-13 — Model Risk Management: Revised Guidance | In force |
| Apr 29, 2025 | Speech | Acting Comptroller Hood, 'AI in Financial Services' (Apr 2025) — Remarks by Acting Comptroller Rodney E. Hood at the National Fair Housing Alliance's Responsible AI Symposium: 'AI in Financial Services' | Final |
| Jun 6, 2023 | Guidance | OCC Bulletin 2023-17 — Third-Party Relationships: Interagency Guidance on Risk Management | In force |
| Apr 9, 2021 | Guidance | OCC Bulletin 2021-19 — Bank Secrecy Act/Anti-Money Laundering: Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML Compliance and Request for Information | Superseded |
| Mar 31, 2021 | Consultation | 2021 Interagency AI RFI (OCC Bulletin 2021-17) — Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning | Final |
| Apr 4, 2011 | Guidance | OCC Bulletin 2011-12 — Sound Practices for Model Risk Management: Supervisory Guidance on Model Risk Management | Superseded |
| May 20, 1997 | Guidance | OCC Bulletin 1997-24 — Credit Scoring Models: Examination Guidance | Superseded |
FDIC
What has the FDIC published on AI?
9 documents · How the FDIC regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jun 4, 2026 | Speech | Hill House oversight testimony (Jun 2026) — Statement of Chairman Travis Hill: Oversight of Prudential Regulators | Final |
| Apr 17, 2026 | Guidance | FDIC FIL-15-2026 — Agencies Revise the Interagency Model Risk Management Guidance | In force |
| Mar 26, 2026 | Speech | FDIC House testimony on AI and innovation (Mar 2026) — Innovation at the Speed of Markets: How Regulators Keep Pace with Technology | Final |
| Jul 14, 2025 | Report | FDIC 2025 Report on Cybersecurity and Resilience — 2025 Report on Cybersecurity and Resilience | Final |
| Jan 10, 2025 | Speech | Hill 'Charting a New Course' speech — Charting a New Course: Preliminary Thoughts on FDIC Policy Issues | Final |
| May 22, 2024 | Report | FDIC 2024 Risk Review — 2024 Risk Review — Section 5: Operational and Cyber Risks | Final |
| Jun 6, 2023 | Guidance | FDIC FIL-29-2023 — Interagency Guidance on Third-Party Relationships: Risk Management | In force |
| Apr 9, 2021 | Guidance | FDIC FIL-27-2021 — Interagency Statement on Model Risk Management for Bank Systems Supporting BSA/AML and OFAC Compliance | Superseded |
| Mar 29, 2021 | Consultation | FDIC FIL-20-2021 — Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning | Final |
NCUA
What has the NCUA published on AI?
9 documents · How the NCUA regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Feb 12, 2026 | Speech | Hauptman Senate testimony (Feb 2026) — Written Testimony of NCUA Chairman Kyle S. Hauptman before the U.S. Senate Committee on Banking, Housing, and Urban Affairs | Final |
| Jan 14, 2026 | Letter | NCUA Letter 26-CU-01 — NCUA's 2026 Supervisory Priorities | In force |
| Sep 1, 2025 | Report | NCUA AI Compliance Plan (2025) — NCUA Artificial Intelligence Compliance Plan | Final |
| Aug 1, 2025 | Guidance | NCUA Credit Union AI Resource Center — Artificial Intelligence (AI) — Credit Union AI Resource Center and AI Resources page | In force |
| Jul 24, 2025 | Report | NCUA Board AI briefing (Jul 2025) — Board Briefing: Artificial Intelligence and Its Use Within the Credit Union Industry and the NCUA | Final |
| Sep 21, 2023 | Regulation | NCUA Financial Innovation Rule (2023) — Financial Innovation: Loan Participations, Eligible Obligations, and Notes of Liquidating Credit Unions (final rule) | In force |
| May 13, 2022 | Speech | NCUA testimony to House AI Task Force (2022) — Written Testimony of Kelly Lay, Director of the Office of Examination and Insurance, before the House Financial Services Task Force on Artificial Intelligence | Final |
| Mar 31, 2021 | Consultation | 2021 Interagency AI RFI — Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning | Final |
| Dec 1, 2007 | Letter | NCUA Letter 07-CU-13 — Evaluating Third Party Relationships | In force |
CFPB
What has the CFPB published on AI?
10 documents · How the CFPB regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Apr 22, 2026 | Regulation | Regulation B final rule on disparate impact (April 2026) — Equal Credit Opportunity Act (Regulation B) — final rule amending disparate impact, discouragement and special purpose credit program provisions | In force |
| May 12, 2025 | Regulation | CFPB withdrawal of 67 guidance documents (May 2025) — Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal | In force |
| Aug 12, 2024 | Letter | CFPB comment to Treasury on AI in financial services (2024) — CFPB Comment on Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector | Final |
| Sep 19, 2023 | Circular | CFPB Circular 2023-03 — Adverse action notification requirements and the proper use of the CFPB's sample forms provided in Regulation B | Withdrawn |
| Jun 6, 2023 | Report | CFPB Chatbots in Consumer Finance (issue spotlight, 2023) — Chatbots in consumer finance | Final |
| Apr 25, 2023 | Guidance | Joint Statement on Automated Systems (CFPB, DOJ, EEOC, FTC) — Joint Statement on Enforcement Efforts Against Discrimination and Bias in Automated Systems | Final |
| May 26, 2022 | Circular | CFPB Circular 2022-03 — Adverse action notification requirements in connection with credit decisions based on complex algorithms | Withdrawn |
| Jul 7, 2020 | Guidance | CFPB Innovation Spotlight on AI/ML adverse action notices (2020) — Innovation spotlight: Providing adverse action notices when using AI/ML models | Final |
| Oct 28, 1974 | Statute | ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9) — Equal Credit Opportunity Act section 701(d) and Regulation B section 1002.9 — notification of adverse action and statement of specific reasons | In force |
| Oct 26, 1970 | Statute | FCRA adverse action and credit-score disclosures (15 U.S.C. 1681m, 1681g(f)) — Fair Credit Reporting Act — adverse-action notices based on consumer reports and disclosure of key factors affecting credit scores | In force |
SEC
What has the SEC published on AI?
10 documents · How the SEC regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Mar 4, 2026 | Speech | Atkins remarks at FSOC AI roundtable (Mar 2026) — Remarks at Financial Stability Oversight Council Artificial Intelligence Innovation Series Roundtable on Strategy and Governance Principles | Final |
| Dec 4, 2025 | Report | Investor Advisory Committee AI disclosure recommendation — Recommendation of the SEC Investor Advisory Committee Regarding the Disclosure of Artificial Intelligence's Impact on Operations | Final |
| Nov 17, 2025 | Report | Division of Examinations FY2026 Priorities — Examination Priorities: Fiscal Year 2026 — Division of Examinations | In force |
| Jun 12, 2025 | Regulation | SEC withdrawal of proposed rules (33-11377) — Withdrawal of Proposed Regulatory Actions — including the predictive data analytics conflicts proposal | Final |
| Apr 9, 2025 | Enforcement | SEC v. Saniger (Nate, Inc.) — SEC Charges Founder of Nate, Inc. with Fraud Over False Claims About the Company's Use of Artificial Intelligence | Final |
| Jan 14, 2025 | Enforcement | Presto Automation AI-washing order — SEC Charges Restaurant-Technology Company Presto Automation for Misleading Statements About AI Product | Final |
| Oct 21, 2024 | Report | Division of Examinations FY2025 Priorities — Examination Priorities: Fiscal Year 2025 — Division of Examinations | Superseded |
| Mar 18, 2024 | Enforcement | Delphia / Global Predictions AI-washing settlements — SEC Charges Two Investment Advisers with Making False and Misleading Statements About Their Use of Artificial Intelligence | Final |
| Feb 13, 2024 | Speech | Gensler 'AI washing' remarks at Yale (Feb 2024) — AI, Finance, Movies, and the Law — Prepared Remarks Before the Yale Law School | Final |
| Jul 26, 2023 | Consultation | SEC Predictive Data Analytics proposal (34-97990) — Conflicts of Interest Associated with the Use of Predictive Data Analytics by Broker-Dealers and Investment Advisers — proposed rule | Withdrawn |
CFTC
What has the CFTC published on AI?
8 documents · How the CFTC regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Aug 19, 2026 | Consultation | CFTC Compute Derivatives RFC — Request for Comment on the Listing of Compute Derivatives Contracts | Comment period open |
| Mar 24, 2026 | Framework | CFTC Innovation Task Force — Chairman Selig Announces Formation of New Innovation Task Force | In force |
| Jun 18, 2025 | Speech | Johnson RegHub Summit Remarks (Jun 2025) — Keynote Remarks of Commissioner Kristin N. Johnson at RegHub Summit London 2025: Enabling AI Tools To Enhance Compliance and Surveillance | Final |
| Dec 5, 2024 | Guidance | CFTC Staff Advisory 24-17 on AI — Staff Advisory on the Use of Artificial Intelligence in CFTC-Regulated Markets (CFTC Letter No. 24-17) | In force |
| Dec 5, 2024 | Speech | Johnson Statement on AI in Derivatives Markets (Dec 2024) — Statement of Commissioner Kristin N. Johnson on Future-Proofing Financial Markets: Assessing the Integration of Artificial Intelligence in Global Derivatives Markets | Final |
| May 2, 2024 | Report | CFTC TAC Responsible AI Report — Responsible Artificial Intelligence in Financial Markets: Opportunities, Risks & Recommendations | Final |
| Jan 25, 2024 | Guidance | CFTC AI Scams Customer Advisory — Customer Advisory: AI Won't Turn Trading Bots into Money Machines | In force |
| Jan 25, 2024 | Consultation | CFTC AI Request for Comment (2024) — Request for Comment on the Use of Artificial Intelligence in CFTC-Regulated Markets | Final |
FinCEN
What has the FinCEN published on AI?
8 documents · How the FinCEN regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jul 24, 2026 | Guidance | FIN-2026-Alert004 (Federal Student Aid Fraud) — FinCEN Alert on Fraud Schemes Targeting Federal Student Aid | In force |
| Apr 10, 2026 | Consultation | 2026 AML/CFT Program Proposed Rule — Anti-Money Laundering and Countering the Financing of Terrorism Programs (Notice of Proposed Rulemaking, 2026) | Proposed |
| Nov 13, 2024 | Guidance | FIN-2024-Alert004 (Deepfake Media) — FinCEN Alert on Fraud Schemes Involving Deepfake Media Targeting Financial Institutions | In force |
| Jul 3, 2024 | Consultation | 2024 AML/CFT Program Proposed Rule (withdrawn) — Anti-Money Laundering and Countering the Financing of Terrorism Programs (Notice of Proposed Rulemaking, 2024) | Withdrawn |
| Apr 9, 2021 | Guidance | 2021 BSA/AML Model Risk Management Statement — Interagency Statement on Model Risk Management for Bank Systems Supporting Bank Secrecy Act/Anti-Money Laundering Compliance | Withdrawn |
| Jan 1, 2021 | Statute | Anti-Money Laundering Act of 2020 — Anti-Money Laundering Act of 2020 (Division F of the National Defense Authorization Act for Fiscal Year 2021) | In force |
| May 1, 2019 | Framework | FinCEN Innovation Hours — FinCEN's Innovation Initiative: Implementation of FinCEN Innovation Hours; Invitation to Request Innovation Hours Meeting | In force |
| Dec 3, 2018 | Guidance | 2018 Joint Statement on BSA/AML Innovation — Joint Statement on Innovative Efforts to Combat Money Laundering and Terrorist Financing | In force |
U.S. Treasury
What has the U.S. Treasury published on AI?
9 documents · How the U.S. Treasury regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jun 24, 2026 | Report | FSOC AI Innovation Series (Mar–May 2026) — Artificial Intelligence Innovation Series — FSOC and Treasury AI Transformation Office roundtables | Final |
| Feb 19, 2026 | Framework | Treasury FS AI RMF and AI Lexicon (Feb 2026) — Financial Services AI Risk Management Framework (FS AI RMF) and Artificial Intelligence Lexicon | Final |
| Dec 11, 2025 | Report | FSOC 2025 Annual Report — Financial Stability Oversight Council 2025 Annual Report — Section 3.4, Harnessing Artificial Intelligence to Promote Financial Stability | Final |
| Dec 19, 2024 | Report | Treasury AI in Financial Services report (Dec 2024) — Artificial Intelligence in Financial Services — Report on the Uses, Opportunities, and Risks of AI in the Financial Services Sector | Final |
| Dec 6, 2024 | Report | FSOC 2024 Annual Report — Financial Stability Oversight Council 2024 Annual Report — Section 3.3.3, The Use of Artificial Intelligence in Financial Services | Superseded |
| Oct 17, 2024 | Report | Treasury $4B AI fraud-prevention announcement (Oct 2024) — Treasury Announces Enhanced Fraud Detection Processes, Including Machine Learning AI, Prevented and Recovered Over $4 Billion in Fiscal Year 2024 | Final |
| Jun 12, 2024 | Consultation | Treasury AI RFI (June 2024) — Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector | Final |
| Mar 27, 2024 | Report | Treasury AI cybersecurity risks report (Mar 2024) — Managing Artificial Intelligence-Specific Cybersecurity Risks in the Financial Services Sector | Final |
| Dec 14, 2023 | Report | FSOC 2023 Annual Report — Financial Stability Oversight Council 2023 Annual Report — Section 3.3.3, The Use of Artificial Intelligence in Financial Services | Superseded |
NY DFS
What has the NY DFS published on AI?
8 documents · How the NY DFS regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| May 21, 2026 | Letter | DFS Frontier AI Models Industry Letter (May 2026) — Heightened Cybersecurity Risks Associated with Frontier AI Models | In force |
| May 21, 2026 | Guidance | DFS Heightened Threat Environment Guidance (May 2026) — Guidance on Measures Regulated Entities Should Consider in a Heightened Cybersecurity Threat Environment | In force |
| Dec 16, 2025 | Speech | Asrow Assembly Statement on AI in Insurance (Dec 2025) — Statement by DFS Acting Superintendent Kaitlin Asrow at the NYS Assembly Hearing on the Use of Artificial Intelligence Systems in Insurance Underwriting and Pricing | Final |
| Oct 16, 2024 | Letter | DFS AI Cybersecurity Industry Letter (Oct 2024) — Cybersecurity Risks Arising from Artificial Intelligence and Strategies to Combat Related Risks | In force |
| Jul 11, 2024 | Circular | Insurance Circular Letter No. 7 (2024) — Use of Artificial Intelligence Systems and External Consumer Data and Information Sources in Insurance Underwriting and Pricing | In force |
| May 30, 2024 | Letter | DFS Virtual Currency Customer Service Guidance (May 2024) — Guidance Regarding Customer Service Requests and Complaints (Virtual Currency Entities) | In force |
| Jan 17, 2024 | Consultation | DFS Proposed AI Insurance Circular Letter (Jan 2024) — Proposed Insurance Circular Letter on the Use of Artificial Intelligence Systems and External Consumer Data and Information Sources in Insurance Underwriting and Pricing | Superseded |
| Nov 1, 2023 | Regulation | 23 NYCRR Part 500 — Cybersecurity Requirements for Financial Services Companies (Second Amendment) | In force |
Colorado AI Act
What has the Colorado AI Act published on AI?
5 documents · How the Colorado AI Act regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Aug 11, 2026 | Regulation | Colorado AG proposed ADMT rules — Proposed Automated Decision-Making Technology and Conversational AI Service Rules (Notice of Rulemaking Hearing) | Comment period open |
| May 29, 2026 | Statute | HB 26-1263 — Conversational Artificial Intelligence Service Operator Requirements (Chatbot Safety Act) | Final |
| May 14, 2026 | Statute | SB 26-189 — Automated Decision-Making Technology Act (repeal and reenactment of the Colorado AI Act) | Final |
| Aug 28, 2025 | Statute | SB 25B-004 — Artificial Intelligence Consumer Protections — delay of effective date to June 30, 2026 | Superseded |
| May 17, 2024 | Statute | SB 24-205 — Consumer Protections for Artificial Intelligence (Colorado Artificial Intelligence Act) | Superseded |
NIST
What has the NIST published on AI?
8 documents · How the NIST regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Apr 7, 2026 | Consultation | AI RMF critical-infrastructure profile (concept note) — Concept Note: AI RMF Profile on Trustworthy AI in Critical Infrastructure | Proposed |
| Jan 12, 2026 | Consultation | CAISI RFI on AI agent security (2026) — Request for Information: Security Considerations for Artificial Intelligence Agents | Proposed |
| Dec 16, 2025 | Consultation | NIST IR 8596 (Cyber AI Profile) — Cybersecurity Framework Profile for Artificial Intelligence (Cyber AI Profile), NIST IR 8596 — preliminary draft | Proposed |
| Aug 14, 2025 | Consultation | NIST COSAiS control overlays — Control Overlays for Securing AI Systems (COSAiS): SP 800-53 overlays for generative, predictive and agentic AI | Proposed |
| Mar 24, 2025 | Report | NIST AI 100-2e2025 (Adversarial ML) — Adversarial Machine Learning: A Taxonomy and Terminology of Attacks and Mitigations (NIST AI 100-2e2025) | Final |
| Jul 26, 2024 | Framework | NIST AI 600-1 (Generative AI Profile) — Artificial Intelligence Risk Management Framework: Generative Artificial Intelligence Profile (NIST AI 600-1) | In force |
| Jan 26, 2023 | Framework | NIST AI RMF 1.0 — Artificial Intelligence Risk Management Framework (AI RMF 1.0), NIST AI 100-1 | In force |
| Jan 26, 2023 | Guidance | NIST AI RMF Playbook — AI Risk Management Framework Playbook | In force |
EU AI Act
What has the EU AI Act published on AI?
8 documents · How the EU AI Act regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jul 24, 2026 | Regulation | Regulation (EU) 2026/1744 (Digital Omnibus on AI) — Regulation (EU) 2026/1744 amending Regulation (EU) 2024/1689 as regards the simplification of the implementation of harmonised rules on artificial intelligence (Digital Omnibus on AI) | In force |
| May 19, 2026 | Consultation | Draft Commission guidelines on high-risk classification — Draft Commission Guidelines on the classification of high-risk AI systems under Article 6 of the AI Act | Proposed |
| Nov 21, 2025 | Report | EBA factsheet on the AI Act — AI Act: implications for the EU banking and payments sector (EBA factsheet) | Final |
| Jul 10, 2025 | Framework | General-Purpose AI Code of Practice — General-Purpose AI Code of Practice under the AI Act (Transparency, Copyright, and Safety and Security chapters) | In force |
| Feb 4, 2025 | Guidance | Commission guidelines on prohibited AI practices — Commission Guidelines on prohibited artificial intelligence practices established by Regulation (EU) 2024/1689 (AI Act) | In force |
| Jul 12, 2024 | Regulation | Regulation (EU) 2024/1689 — Regulation (EU) 2024/1689 laying down harmonised rules on artificial intelligence (Artificial Intelligence Act) | In force |
| Oct 30, 2023 | Statute | Consumer Credit Directive (EU) 2023/2225 — Directive (EU) 2023/2225 on credit agreements for consumers (CCD2) — automated creditworthiness assessment provisions | Final |
| May 4, 2016 | Statute | GDPR Article 22 — Regulation (EU) 2016/679 (GDPR), Article 22 — Automated individual decision-making, including profiling | In force |
ECB
What has the ECB published on AI?
12 documents · How the ECB regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jul 7, 2026 | Letter | ECB 'Dear CEO' letter on AI-enabled cybersecurity threats (SSM-2026-0301) — Addressing AI-enabled cybersecurity threats — letter from the Chair of the Supervisory Board to CEOs of significant institutions | In force |
| Jun 3, 2026 | Speech | Elderson speech: 'Strengthening operational resilience for the age of AI' (June 2026) — Strengthening operational resilience for the age of AI — speech by Frank Elderson | Final |
| Feb 24, 2026 | Speech | Machado speech: 'Technology is neutral, governance is not' (Feb 2026) — Technology is neutral, governance is not: AI adoption in the banking sector — speech by Pedro Machado | Final |
| Feb 3, 2026 | Speech | Montagner speech: 'Encouraging innovation, managing risks' (Feb 2026) — Encouraging innovation, managing risks: the ECB's approach to digital transformation — speech by Patrick Montagner | Final |
| Nov 20, 2025 | Report | Supervision Newsletter: AI use cases for credit scoring and fraud detection (Nov 2025) — AI's impact on banking: use cases for credit scoring and fraud detection (Supervision Newsletter, November 2025) | Final |
| Nov 18, 2025 | Guidance | SSM supervisory priorities 2026–28 — ECB Banking Supervision: SSM supervisory priorities for 2026–28 | In force |
| Oct 14, 2025 | Speech | Machado speech: 'Artificial intelligence and supervision: innovation with caution' (Oct 2025) — Artificial intelligence and supervision: innovation with caution — speech by Pedro Machado | Final |
| Jul 28, 2025 | Guidance | ECB Guide to internal models (July 2025, ML section) — Revised ECB Guide to internal models — expectations for machine-learning techniques in internal models | In force |
| May 14, 2025 | Report | Supervision Newsletter: suptech infrastructure (May 2025) — Benefits from advanced technology infrastructure in supervision (Supervision Newsletter, May 2025) | Final |
| Jul 11, 2024 | Report | ECB digitalisation sound practices report (July 2024) — Digitalisation: key assessment criteria and collection of sound practices | In force |
| Jul 4, 2024 | Speech | Cipollone speech: 'Artificial intelligence: a central bank's view' (July 2024) — Artificial intelligence: a central bank's view — speech by Piero Cipollone | Final |
| May 1, 2024 | Report | ECB FSR May 2024 AI special feature — The rise of artificial intelligence: benefits and risks for financial stability (Financial Stability Review, May 2024) | Final |
EBA
What has the EBA published on AI?
9 documents · How the EBA regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jul 31, 2026 | Guidance | ESA Statement on ICT risks from frontier AI models (JC 2026 25) — ESA Statement: Toward a consistent and risk-based approach for ICT risks from frontier AI models | In force |
| Nov 21, 2025 | Guidance | EBA factsheet: AI Act implications for the EU banking and payments sector — AI Act: implications for the EU banking and payments sector | Final |
| Nov 21, 2025 | Letter | EBA Chair letter to the Commission on the AI Act mapping exercise (EBA/2025/D/5384) — Outcome of EBA's AI Act mapping exercise — letter to DG FISMA and DG CNECT | Final |
| Oct 1, 2025 | Framework | EBA Work Programme 2026 — EBA Work Programme 2026 — AI Act implementation and digital-finance priorities | In force |
| Sep 25, 2025 | Report | EBA report: Rising application of AI in EU banking and payments (Sep 2025) — Rising application of AI in EU banking and payments sector | Final |
| Aug 4, 2023 | Report | EBA follow-up report on machine learning for IRB models (EBA/REP/2023/28) — Machine Learning for IRB Models — Follow-up report from the consultation on the Discussion paper on machine learning for IRB models | Final |
| Nov 11, 2021 | Consultation | EBA discussion paper on machine learning for IRB models — Discussion Paper on machine learning for IRB models | Superseded |
| May 29, 2020 | Guidance | EBA Guidelines on loan origination and monitoring (EBA/GL/2020/06) — Guidelines on loan origination and monitoring | In force |
| Jan 13, 2020 | Report | EBA Report on Big Data and Advanced Analytics (EBA/REP/2020/01) — Report on Big Data and Advanced Analytics | Final |
UK (BoE / PRA / FCA)
What has the UK (BoE / PRA / FCA) published on AI?
15 documents · How the UK (BoE / PRA / FCA) regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jul 14, 2026 | Framework | HM Treasury Financial Services AI Adoption Plan (Jul 2026) — Financial Services AI Adoption Plan | Final |
| Jun 5, 2026 | Survey | 2026 BoE/FCA AI survey — The Bank of England and FCA's 2026 AI Survey | Final |
| May 15, 2026 | Guidance | BoE/FCA/HMT joint statement on frontier AI and cyber resilience (May 2026) — The Bank, FCA and HM Treasury joint statement on Frontier AI models and cyber resilience | In force |
| Apr 1, 2026 | Letter | BoE response to Treasury Committee AI inquiry (Apr 2026) — Response to TSC inquiry report on AI in financial services | Final |
| Apr 1, 2026 | Letter | BoE/PRA plan for safe AI innovation (Apr 2026) — Letter from Sarah Breeden and Sam Woods to the Chancellor and Secretaries of State on enabling safe AI innovation | Final |
| Jan 28, 2026 | Letter | DSIT/DBT strategic letters to regulators (Jan 2026) — How will regulators enable safe AI-powered innovation: joint letter from DSIT Secretary of State and DBT Secretary of State | Final |
| Nov 24, 2025 | Guidance | PRA AI/ML model-risk roundtable (Nov 2025) — The PRA holds model risk management roundtable on artificial intelligence and machine learning technologies | Final |
| Sep 9, 2025 | Report | FCA FS25/5 — FS25/5: AI Live Testing | Final |
| Apr 9, 2025 | Report | FPC Financial Stability in Focus: AI (Apr 2025) — Financial Stability in Focus: Artificial intelligence in the financial system | Final |
| Nov 21, 2024 | Survey | 2024 BoE/FCA AI survey — Artificial intelligence in UK financial services – 2024 | Final |
| Apr 22, 2024 | Report | FCA AI Update (Apr 2024) — Artificial Intelligence (AI) update – further to the Government's response to the AI White Paper | Final |
| Oct 26, 2023 | Report | FS2/23 — Feedback Statement 2/23: Artificial Intelligence and Machine Learning | Final |
| May 17, 2023 | Guidance | PRA SS1/23 — Supervisory Statement 1/23: Model risk management principles for banks | In force |
| Oct 11, 2022 | Consultation | DP5/22 — Discussion Paper 5/22: Artificial Intelligence and Machine Learning | Final |
| Oct 11, 2022 | Survey | 2022 BoE/FCA ML survey — Machine learning in UK financial services (2022 survey) | Superseded |
FSB
What has the FSB published on AI?
8 documents · How the FSB regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Aug 6, 2026 | Report | Responses to FSB AI sound practices consultation (Aug 2026) — Public responses to consultation on Sound Practices for Responsible Adoption of Artificial Intelligence (AI) | Final |
| Jul 7, 2026 | Speech | Bowman remarks at FSB AI outreach (July 2026) — Opening remarks on sound practices for artificial intelligence (FSB virtual outreach event) | Final |
| Jun 10, 2026 | Consultation | FSB AI sound practices consultation (June 2026) — Sound Practices for Responsible Adoption of Artificial Intelligence (AI): Consultation report | Proposed |
| Oct 10, 2025 | Report | FSB AI monitoring report (Oct 2025) — Monitoring Adoption of Artificial Intelligence and Related Vulnerabilities in the Financial Sector | Final |
| Oct 10, 2025 | Guidance | FSB next steps on AI monitoring (Oct 2025) — FSB outlines next steps for authorities on AI monitoring | Final |
| Nov 14, 2024 | Report | FSB AI financial stability report (Nov 2024) — The Financial Stability Implications of Artificial Intelligence | Final |
| Dec 4, 2023 | Framework | FSB third-party risk toolkit (2023) — Final Report on Enhancing Third-party Risk Management and Oversight: A toolkit for financial institutions and financial authorities | Final |
| Nov 1, 2017 | Report | FSB 2017 AI/ML report — Artificial intelligence and machine learning in financial services: Market developments and financial stability implications | Final |
Basel Committee
What has the Basel Committee published on AI?
8 documents · How the Basel Committee regulates AI in banking →
| Date | Type | Document | Status |
|---|---|---|---|
| Jun 2, 2026 | Report | BCBS ICT Risk Management Report (June 2026) — Information and communication technology risk management: range of practices | Final |
| Jan 6, 2026 | Guidance | BCBS 239 Implementation Newsletter (Jan 2026) — Implementation of the Principles for effective risk data aggregation and risk reporting (BCBS 239 Principles) | Final |
| Dec 10, 2025 | Guidance | BCBS Third-Party Risk Principles (Dec 2025) — Principles for the sound management of third-party risk | In force |
| Feb 4, 2025 | Report | BCBS Work Programme 2025–26 — Basel Committee work programme and strategic priorities for 2025/26 | In force |
| May 16, 2024 | Report | BCBS Digitalisation of finance report (May 2024) — Digitalisation of finance | Final |
| Mar 16, 2022 | Guidance | BCBS AI/ML Newsletter (March 2022) — Newsletter on artificial intelligence and machine learning | Final |
| Mar 31, 2021 | Guidance | BCBS Principles for Operational Resilience (2021) — Principles for Operational Resilience | In force |
| Jan 9, 2013 | Framework | BCBS 239 — Principles for effective risk data aggregation and risk reporting | In force |
Regulators move daily. So do we.
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