# Flagstar Bank: Research and IP

Source: https://www.bankingnewsai.com/banks/flagstar/ai-research-patents-partnerships
Last updated: Oct 16, 2026

*Part of the [Flagstar Bank AI strategy profile](https://www.bankingnewsai.com/banks/flagstar).*

## What AI patents and partnerships does Flagstar Bank have?

Flagstar's AI intellectual property is new and unpublished: on June 15, 2026 the bank said it had filed a provisional patent application for StarIQ, titled 'Techniques for Secure Enterprise Generative Artificial Intelligence Orchestration', and a trademark application for the Flagstar S2 Platform. A provisional application is not published or examined, and no granted or published AI patent exists under Flagstar, Flagstar Financial or New York Community entities; the one granted patent found, from 2012, is expired and not about AI. The vendor stack is named precisely: Anthropic Claude, Meta Llama, Mistral and Amazon Titan models orchestrated by StarIQ on Amazon Web Services under consumption-based pricing, with Palo Alto Networks Prisma AI firewalls screening prompts. Cognizant extends the technology team from Hyderabad and Manila and plans to explore an AI Center of Excellence in India; Mphasis consolidated six data centres into two and said its next phase would use AI; Fiserv's Finxact becomes the core. Higgins counts eight outside companies working on S2 and has said licensing the platform is an option. Flagstar has no research lab, university partnership or AI venture investment on the record. ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en), [Cognizant (PR Newswire)](https://www.prnewswire.com/news-releases/cognizant-and-flagstar-bank-na-mark-one-year-partnership-advancing-flagstars-transformation-enhancing-client-experience-and-driving-efficiency-302674135.html), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202603301417PR_NEWS_USPRX____NY22478-1), [Investing.com](https://investing.com/news/company-news/flagstar-bank-selects-fiservs-finxact-as-core-banking-platform-93CH-4863110), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers))

## What AI intellectual property has Flagstar filed?

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| StarIQ patent application | 'Techniques for Secure Enterprise Generative Artificial Intelligence Orchestration' | Provisional; not published or examined | June 15, 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/) |
| Flagstar S2 Platform | Trademark application for the 'Simple and Sophisticated' platform name; S2 integrates customer data across deposits, lending, wealth and mortgage | Application filed | June 15, 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Zacks Equity Research (Yahoo Finance)](https://finance.yahoo.com/news/flagstar-banks-technology-expansion-step-143100464.html) |
| StarIQ in use | The system covered by the application is available to all 5,400 employees; about 83% to 84% use it regularly | In production | May 12, 2026 | [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/flagstar-bank-touts-turnaround-progress-080618215.html) |
| US 8,239,255 B2 | Consumer incentive system and business method (New York Community Bancorp); not AI | Granted 2012; expired | August 7, 2012 | [Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en) |
| Licensing | Higgins declined to rule out selling or licensing S2 or StarIQ: his job is 'to create optionality' | No deal announced | June 22, 2026 | [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/) |

## Which companies supply Flagstar's AI and platform?

| Partner | Role | Detail | Date | Sources |
| --- | --- | --- | --- | --- |
| Anthropic, Meta, Mistral, Amazon | Foundation models | Claude, Llama, Mistral and Titan orchestrated inside StarIQ | June 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx) |
| Amazon Web Services | Cloud host | StarIQ runs in an AWS tenant under consumption-based pricing; three model tiers by task complexity | June-July 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile) |
| Palo Alto Networks | AI security | Prisma AI firewalls detect prompt injection, sensitive data and policy violations | June 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx) |
| Cognizant | Engineering partner | Extension of the technology team; co-branded centres in Hyderabad and Manila; AI Center of Excellence in India to be explored | January 29, 2026 | [Cognizant (PR Newswire)](https://www.prnewswire.com/news-releases/cognizant-and-flagstar-bank-na-mark-one-year-partnership-advancing-flagstars-transformation-enhancing-client-experience-and-driving-efficiency-302674135.html) |
| Mphasis | Infrastructure modernisation | Six data centres into two; next phase to modernise applications and operations using AI | March 30, 2026 | [PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202603301417PR_NEWS_USPRX____NY22478-1) |
| Fiserv (Finxact) | Core banking | Cloud-native, API-first system of record and component of S2; phased conversions | August 17, 2026 | [Investing.com](https://investing.com/news/company-news/flagstar-bank-selects-fiservs-finxact-as-core-banking-platform-93CH-4863110), [Fiserv (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/17/3346102/0/en/fiserv-and-flagstar-bank-announce-strategic-core-banking-relationship.html) |
| Equinix | Data centres | Colocation in Ashburn, Virginia and the Chicago area | June 2026 | [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers) |
| Figure Technology Solutions | Former equity stake | Whole stake sold for $46 million in Q2 2026 | June 30, 2026 | [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm) |

## What does the Flagstar profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Aug 17, 2026 | Fiserv announces Finxact as the bank's core | Fiserv's release calls Finxact the system of record and transaction engine of S2, with phased conversions; the platform processes in real time and removes end-of-day batch reconciliation. | [Fiserv (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/17/3346102/0/en/fiserv-and-flagstar-bank-announce-strategic-core-banking-relationship.html) |
| Aug 17, 2026 | Fiserv's Finxact chosen as the single core | Two migrations, summer 2027 and 2028; $40–45 million of annual savings expected. | [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/) |
| Aug 6, 2026 | Q2 2026 10-Q: software expense $49 million; Figure stake sold; still no AI language | Software expense rose to $49 million for the quarter and $96 million for the half, attributed to infrastructure development and system enhancements. The bank sold its whole stake in Figure Technology Solutions for $46 million. The filing does not mention artificial intelligence. | [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm) |
| Jun 30, 2026 | Two new data centres run as peers; eight outside firms on S2 | Higgins told American Banker the Ashburn, Virginia and Chicago-area sites, leased from Equinix, can each carry the full load, with workload moved in under 60 minutes against about eight hours for the old primary-to-secondary move and validation; Mphasis is one of eight companies working on S2. | [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers) |
| Jun 22, 2026 | 'Optionality' — including possible licensing | The CIOO on why the IP matters and what it could become. | [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/) |
| Jun 15, 2026 | S2 trademark filed; StarIQ patent application | The bank establishes proprietary rights over its platform and its gen-AI orchestration system. | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606150830PR_NEWS_USPRX____NY82888-1) |
| Apr 30, 2026 | Proxy statement: internal AI capabilities 'progressed' | The 2026 proxy says S2 rolled out to teammates in mid-2025 on five principles including 'Data Enabled' and 'Risk and Control Managed', and that internal AI and automation capabilities progressed with the enterprise platform scheduled for early-2026 launch. It also discloses that director Lux sits on the board of Mphasis, which supplies data migration and management services. | [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000039/fbc-20260430.htm) |
| Mar 30, 2026 | First phase of infrastructure modernisation complete | With Mphasis: a next-generation data centre and cloud platform. | [PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202603301417PR_NEWS_USPRX____NY22478-1) |
| Jan 29, 2026 | Cognizant partnership marks a year; AI centre of excellence to be explored | Cognizant works as an extension of the in-house technology team on S2, with co-branded development centres in Hyderabad and Manila; next, the two plan to explore an AI Center of Excellence in India. | [Cognizant (PR Newswire)](https://www.prnewswire.com/news-releases/cognizant-and-flagstar-bank-na-mark-one-year-partnership-advancing-flagstars-transformation-enhancing-client-experience-and-driving-efficiency-302674135.html) |

## Common questions

### Does Flagstar have an AI patent?

It has a pending one. On June 15, 2026 Flagstar said it had filed a provisional patent application for StarIQ, 'Techniques for Secure Enterprise Generative Artificial Intelligence Orchestration'. Provisional applications are not published or examined, so no claims are public; no granted or published AI patent exists under any Flagstar or New York Community entity.

### Which AI models does Flagstar use?

StarIQ orchestrates Anthropic Claude, Meta Llama, Mistral and Amazon Titan models on Amazon Web Services under consumption-based pricing, routing each request to one of three model tiers so simple questions do not use the most expensive model.

### Will Flagstar sell its AI platform to other banks?

It has not said it will. Chief information and operations officer Chris Higgins declined to rule it out in June 2026, saying his job is 'to create optionality', and the bank has filed a trademark application for S2 and a provisional patent for StarIQ.

### Does Flagstar invest in AI startups or fund AI research?

Nothing is on the record. Flagstar's only disclosed fintech equity stake, in Figure Technology Solutions, was sold in full in the second quarter of 2026, and the bank has announced no university partnership or research lab.
## Deeper on Flagstar

- [What is Flagstar Bank's AI strategy?](https://www.bankingnewsai.com/banks/flagstar/ai-strategy)
- [What technology stack does Flagstar Bank run?](https://www.bankingnewsai.com/banks/flagstar/technology-stack)
- [How does Flagstar govern its use of AI?](https://www.bankingnewsai.com/banks/flagstar/responsible-ai)


---

Canonical page: https://www.bankingnewsai.com/banks/flagstar/ai-research-patents-partnerships
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (42 authorities, 243 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.