# NCUA AI Compliance Plan (2025): NCUA Artificial Intelligence Compliance Plan

Source: https://www.bankingnewsai.com/ai-regulation/documents/ncua-ai-compliance-plan-2025
Last updated: Aug 26, 2026

Published in September 2025 under the AI in Government Act of 2020 and OMB Memorandum M-25-21, the NCUA AI Compliance Plan describes how the agency governs its own AI use, not how credit unions should. It sets up oversight through the agency's IT, data governance, cybersecurity, and enterprise risk councils, commits to a public AI use case inventory, and lists minimum risk-management practices (documentation, validation, termination of non-compliant systems).

## At a glance

| Field | Value |
| --- | --- |
| Authority | [NCUA](https://www.bankingnewsai.com/ai-regulation/ncua) |
| Type | Report |
| Status | Final |
| Published | Sep 1, 2025 |
| Applies to | The NCUA's own internal AI use; no obligations for credit unions |
| Official text | https://ncua.gov/ai/ncua-artificial-intelligence-compliance-plan |

## Key points

- Required of federal agencies by OMB M-25-21; frequently misread as credit union guidance
- Governance via existing councils: Information Technology, Data Governance, Cybersecurity, Enterprise Risk Management
- Public AI Use Case Inventory maintained by the Office of Business Innovation (Excel and CSV downloads on ncua.gov/ai)
- Barriers acknowledged: limited staff with AI skills, data privacy, vendor transparency
- NCUA's own AI uses (per 2026 testimony): content generation, Call Report anomaly flagging, loan-performance forecasting, risk identification, cybersecurity operations
- Commits to interagency working groups and engagement with the credit union industry on AI policy

## What changed for banks

Nothing for credit unions directly. Its relevance is as a signal of how the NCUA itself approaches AI risk (inventory, validation, documented governance), which mirrors what examiners look for at credit unions, and as the source of the agency's AI-officer hiring in 2025-2026.

## Use cases it governs

- [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general)

## FAQ

### Does the NCUA AI Compliance Plan apply to credit unions?

No. It covers the NCUA's internal use of AI as required by OMB Memorandum M-25-21. Credit union expectations are on the separate Credit Union AI Resource Center page.

### How is the NCUA using AI in supervision?

Per its March 2026 congressional testimony: content generation, flagging anomalies in Call Report submissions, forecasting loan performance, identifying higher-risk credit unions, and cybersecurity operations.

## Related documents

- [Hauptman Senate testimony (Feb 2026)](https://www.bankingnewsai.com/ai-regulation/documents/ncua-hauptman-senate-testimony-2026) — Written Testimony of NCUA Chairman Kyle S. Hauptman before the U.S. Senate Committee on Banking, Housing, and Urban Affairs (Feb 12, 2026)
- [NCUA Letter 26-CU-01](https://www.bankingnewsai.com/ai-regulation/documents/ncua-letter-26-cu-01) — NCUA's 2026 Supervisory Priorities (Jan 14, 2026)
- [NCUA Credit Union AI Resource Center](https://www.bankingnewsai.com/ai-regulation/documents/ncua-credit-union-ai-resource-center) — 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) — 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) — 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) — Written Testimony of Kelly Lay, Director of the Office of Examination and Insurance, before the House Financial Services Task Force on Artificial Intelligence (May 13, 2022)
- [2021 Interagency AI RFI](https://www.bankingnewsai.com/ai-regulation/documents/ncua-interagency-ai-rfi-2021) — 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) — Evaluating Third Party Relationships (Dec 1, 2007)

Last reviewed Aug 26, 2026. Cite the official text (https://ncua.gov/ai/ncua-artificial-intelligence-compliance-plan) for the rule and this page for the summary and dates.

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