The White House has no supervisory authority over banks, but its executive orders and plans set the federal AI policy that agencies are told to follow, and that policy is deregulatory. EO 14179 (January 23, 2025) revoked certain prior AI policies and told agencies to suspend, revise or rescind actions inconsistent with it; America's AI Action Plan (July 23, 2025) told OMB to identify rules that hinder AI and pointed to SEC-enabled regulatory sandboxes; and EO 14365 (December 11, 2025) targets state AI laws through a Justice Department AI Litigation Task Force (established January 9, 2026), an FTC policy statement and an FCC proceeding. None of these creates obligations for banks; the binding AI duties still come from the prudential regulators, the CFPB, the SEC and the states.
| Full name | Executive Office of the President (White House) |
| Role | Sets federal AI policy through executive orders and the AI Action Plan; directs agencies but does not supervise banks |
| Force on banks | Non-binding standards |
| Applies to | Executive departments and agencies, which the orders direct to act; the orders themselves create no obligations for banks and no private rights (EO 14179 Sec. 6(c); EO 14365 Sec. 9(c)). Bank-facing effects arrive through the agencies they direct (Treasury, Commerce, DOJ, FTC, FCC, OMB, SEC as a named participant in sandboxes) and through state laws the administration is challenging. |
| Key document | EO 14365, 'Ensuring a National Policy Framework for Artificial Intelligence' (signed December 11, 2025; 90 FR 58499), with EO 14179 (90 FR 8741) and America's AI Action Plan (July 23, 2025) |
| Latest move | On September 29, 2026 the President signed EO 14434, 'Inaugurating the Era of Super Intelligence' (91 FR 63129), directing executive-branch agencies to use the terms 'Super Intelligence' and 'SI' in place of 'Artificial Intelligence' and 'AI' in official correspondence, websites, reports and other non-statutory documents, with 'SI' defined by reference to the existing statutory definition of AI (15 U.S.C. 9401(3)); the Assistant to the President for Science and Technology must submit proposed legislative language for a Federal definition within 60 days |
| Documents tracked | 3 · all documents → |
The administration's AI policy runs through four instruments. Executive Order 14179, 'Removing Barriers to American Leadership in Artificial Intelligence' (90 FR 8741), set the policy of sustaining and enhancing 'America's global AI dominance', ordered an AI Action Plan within 180 days, and directed review of everything done under the revoked Executive Order 14110. America's AI Action Plan, released July 23, 2025, is a three-pillar plan (accelerate innovation, build infrastructure, lead in international diplomacy and security) that names no bank regulator but asks OMB, the FTC, the FCC and NIST to remove perceived barriers and says 'regulators should explore the use of evaluations in their application of existing law to AI systems'. EO 14365 (90 FR 58499) is the one that reaches banks indirectly: it directs challenges to state AI laws, singling out a Colorado law banning 'algorithmic discrimination', and it asks Congress for a national standard. The March 2026 legislative recommendations add that Congress should not create a new federal AI rulemaking body and should rely on existing sector regulators.
For a bank, the practical effect is on the state-law and federal-supervisory horizon rather than on day-to-day compliance. Federal bank supervisors (Federal Reserve, OCC, FDIC) and the CFPB are not directed by name in any of the three core documents, and existing duties (model risk management, fair lending, adverse action notices) are unchanged by them. What the orders change is the direction of travel: Treasury and the Financial Stability Oversight Council have since run an AI Innovation Series and published an AI lexicon and a Financial Services AI Risk Management Framework citing the Action Plan; the Justice Department has moved against Colorado's AI Act; and the FTC has proposed a policy statement saying state laws that compel altered AI outputs may be impliedly preempted. A bank with multi-state lending should track the state-law litigation because it determines which state AI obligations survive.
What has the White House actually published on AI?
| Date | Document | Status |
|---|---|---|
| Dec 11, 2025 | EO 14365 — Ensuring a National Policy Framework for Artificial Intelligence | In force |
| Jul 23, 2025 | America's AI Action Plan — America's AI Action Plan | In force |
| Jan 23, 2025 | EO 14179 — Removing Barriers to American Leadership in Artificial Intelligence | In force |
| Date | Type | Document / event |
|---|---|---|
| Sep 29, 2026 | Milestone | EO 14434 directs agencies to say 'Super Intelligence' instead of 'AI'. EO 14434 (91 FR 63129, published October 2, 2026) sets the executive branch policy of using 'Super Intelligence' and 'SI' in place of 'Artificial Intelligence' and 'AI' in non-statutory documents; it does not require altering previously issued regulations, contracts or other historical documents (Sec. 2(b)). |
| Jul 1, 2026 | Milestone | FTC seeks comment on a proposed policy statement on AI accuracy under EO 14365 Sec. 7. The FTC proposed a policy statement on how Section 5 of the FTC Act applies to AI systems and said Colorado's Artificial Intelligence Act is 'impliedly preempted to the extent it conflicts with a federal regulatory scheme'. Comments were due July 31, 2026; the Commission vote authorizing the Federal Register notice was 2-0. |
| Jun 2, 2026 | Milestone | EO 14409 directs a Treasury-led AI cybersecurity clearinghouse and extends AI cyber tools to community banks. EO 14409, 'Promoting Advanced Artificial Intelligence Innovation and Security' (91 FR 34565), orders the Treasury Secretary to form, within 30 days, a voluntary AI cybersecurity clearinghouse with industry and critical-infrastructure operators (Sec. 2(d)), and CISA to facilitate access to cybersecurity tools, including covered frontier models, for operators such as community banks (Sec. 2(c)(iii)). |
| Apr 24, 2026 | Milestone | DOJ moves to intervene in xAI's challenge to Colorado SB 24-205. The Justice Department said it moved to intervene in xAI's April 9 lawsuit against Colorado's AI law, alleging the statute violates the Equal Protection Clause. Colorado later repealed and reenacted the law as SB 26-189 (signed May 14, 2026, effective January 1, 2027); this page does not track the litigation's current status. |
| Mar 20, 2026 | Milestone | White House publishes legislative recommendations for a national AI policy framework. The 'National Policy Framework for Artificial Intelligence: Legislative Recommendations' (dated March 2026) asks Congress to preempt state AI laws that impose undue burdens, to establish regulatory sandboxes, and not to create any new federal rulemaking body to regulate AI, supporting sector-specific applications through existing regulatory bodies instead. |
| Jan 9, 2026 | Milestone | DOJ establishes the AI Litigation Task Force. The Attorney General's memorandum for all Justice Department employees establishes the task force directed by EO 14365 Sec. 3, chaired by the Attorney General or a designee with the Associate Attorney General as Vice Chair, whose sole responsibility is to challenge State AI laws inconsistent with the order's policy. |
| Dec 11, 2025 | Regulation | EO 14365 — Ensuring a National Policy Framework for Artificial Intelligence. Executive Order 14365, signed December 11, 2025 and published at 90 FR 58499 on December 16, 2025, sets a policy of 'a minimally burdensome national policy framework for AI' and directs a campaign against state AI laws. source ↗ |
| Jul 23, 2025 | Framework | America's AI Action Plan. America's AI Action Plan, released by the White House on July 23, 2025 under EO 14179, is a three-pillar plan (accelerate AI innovation, build American AI infrastructure, lead in international AI diplomacy and security) listing recommended policy actions for federal agencies. source ↗ |
| Jan 23, 2025 | Regulation | EO 14179 — Removing Barriers to American Leadership in Artificial Intelligence. Executive Order 14179, signed January 23, 2025 and published at 90 FR 8741 on January 31, 2025, sets the policy of the United States 'to sustain and enhance America's global AI dominance in order to promote human flourishing, economic competitiveness, and national security' and revokes certain existing AI policies and directives. source ↗ |
- Whether the FTC finalizes its AI accuracy policy statement after the July 31, 2026 comment close, and whether any court or agency treats a state AI law as preempted on that basis
- Congressional action on the March 2026 legislative recommendations, which ask for preemption of state AI laws and for sector regulators rather than a new AI rulemaking body; Colorado's SB 26-189 takes effect January 1, 2027
- NIST's revision of the AI Risk Management Framework that the Action Plan asked for, and any bank-regulator use of it
- The 60-day legislative proposal on a Federal definition of 'Super Intelligence' under EO 14434 and whether agency guidance bank readers rely on starts using the new terminology
Does the White House regulate AI at banks?
Not directly. Executive orders direct federal agencies; EO 14179 and EO 14365 each state that they create no right or benefit enforceable against the United States and impose no new duties on private parties. Banks' AI obligations still come from the Federal Reserve, OCC, FDIC, CFPB, SEC, FINRA for broker-dealer affiliates, and state law.
What has the Trump administration done on AI regulation that matters to banks?
It revoked prior AI policy and ordered a review of agency actions (EO 14179, January 23, 2025), published America's AI Action Plan (July 23, 2025), and set up a campaign against state AI laws (EO 14365, December 11, 2025) that includes a DOJ AI Litigation Task Force and an FTC policy statement. Treasury has separately run an AI Innovation Series and published an AI lexicon and risk management framework for financial services.
Does EO 14365 preempt state AI laws such as Colorado's?
The order does not itself displace state law. It directs the Justice Department to challenge state AI laws, the FTC to explain when state laws requiring altered AI outputs are preempted, the FCC to consider a federal disclosure standard, and asks for legislation; Section 1 says the administration 'must act with the Congress'. Whether a state law is preempted is a question for courts or Congress.
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