How does Huntington govern and control its use of AI?
Huntington governs AI in three layers. The board Technology Committee 'oversees the strategy and implementation of AI', per the March 2026 proxy, which also says the bank scopes AI use cases for colleagues with oversight from the board, the Risk Oversight Committee and the Technology Committee after shareholders asked about board oversight of AI. In management, an Artificial Intelligence Risk Committee sits among the operational-risk committees; the 2025 10-K names seven such committees and the Q1 and Q2 2026 10-Qs name eight, adding a Regulatory and Data Oversight Committee. CFO Zach Wasserman said in January 2026 that use cases are prioritised by risk level and higher-impact applications require human oversight. The 2025 10-K carries a full AI risk factor: model output may be 'incomplete, inadequate, misleading, biased, poor-quality or otherwise flawed', and AI is subject to fair lending, consumer protection, privacy and other laws. The chairman's letter says moving with urgency 'must be balanced with responsibility, security, and trust'. Huntington has not published AI principles or a responsible-AI report.[1][2][3][4][5][6]
Data as of Oct 16, 2026 · Huntington profile updated Oct 16, 2026 · 15 sources cited on this page · 140 banks profiled on this site · Markdown
Which bodies and controls oversee AI at Huntington?
| Body or control | What it does | Source | Date |
|---|---|---|---|
| Board Technology Committee | Oversees 'the strategy and implementation of AI'; also receives reports on the intellectual property program and meets jointly with Audit and Risk Oversight at least annually | 2026 proxy | March 12, 2026[1] |
| Board, Risk Oversight and Technology Committees | Oversight of the scoping of internal AI use cases for colleagues, cited in response to shareholder questions on AI oversight | 2026 proxy | March 12, 2026[1] |
| Director education | Board topics include 'Information security and cyber risks, including tabletop exercises and AI' | 2026 proxy | March 12, 2026[1] |
| Artificial Intelligence Risk Committee | One of seven operational-risk committees in the 2025 10-K, alongside Fraud, Information and Technology, and Third Party Risk committees | 2025 Form 10-K | February 13, 2026[2][6] |
| Regulatory and Data Oversight Committee | Added to the operational-risk committee list, making eight | Q1 2026 10-Q; repeated in Q2 | April 30, 2026[3][4] |
| Risk-tiered generative-AI framework | Use cases prioritised by risk level; human oversight required for higher-impact applications | CFO at Fortune webinar | February 2, 2026[5] |
| Credit decisions in AI lending | In Casca-based SBA origination, the credit decision stays with existing underwriting models and loan officers; a banker reviews overnight chatbot exchanges | American Banker | August 19, 2025[7] |
What AI risks does Huntington disclose?
The 2025 10-K lists 'We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm' as a risk factor. It says AI models may be 'incorrectly or inadequately designed or implemented' and trained on data whose output may be 'incomplete, inadequate, misleading, biased, poor-quality or otherwise flawed', and that there is no assurance AI will be 'successfully adopted and deployed by our colleague base'.[2][6]
The same risk factor names the laws AI already falls under, 'fair lending, consumer protection, intellectual property, cybersecurity, data privacy, and equal opportunity', warns that the bank may not anticipate new AI rules, and flags liability if it lacks rights to the data, algorithms or output its AI relies on. The cybersecurity section adds that threat actors 'may enhance their efforts through the use of AI'.[2][6]
Before the merger closed, Cadence Bank's 2024 10-K, filed by Huntington as an 8-K exhibit in December 2025, listed generative AI among Cadence's operational risks. The Q2 2026 10-Q cites AI developments as raising the sophistication of cyberattacks.[8][4]
Outward-facing guidance follows the same line. Huntington's 2026 threat report for business clients says AI is a 'force multiplier' for attackers and defenders and warns that unapproved 'shadow' AI creates data exposures; its consumer guidance tells customers AI 'should be used as a supplement—not a substitute—for professional guidance' and not to upload personal financial documents to free AI tools.[9][10]
What does the Huntington profile record on this topic?
The rows below are the entries of the Huntington AI strategy profile that bear on this page, as of Oct 16, 2026; the profile holds the full record of 39 dated moves, 17 use cases and 50 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Machine-learning redaction of sensitive data | More than 400 million stored documents scanned and redacted with Amazon Textract, SageMaker and Step Functions at about 10 million a day; the framework is to be reused for M&A. | In production | [11] |
| AI risk factor, AI Risk Committee and board oversight | 10-K risk factor on flawed, biased or misleading model output and evolving AI law; a management AI Risk Committee; board Technology Committee oversight of AI strategy and implementation. | In production | [2][1] |
| Coverbase AI third-party risk management | Vendor names Huntington Bank as an enterprise customer of its AI-engineered third-party risk management platform. | In production | [12] |
| Risk-tiered generative-AI framework | Use cases are prioritised by risk level and higher-impact applications require human oversight (CFO, January 2026). | In production | [5] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Sep 29, 2026 | Named a Coverbase enterprise customer | Coverbase, an AI third-party risk management vendor, names Huntington Bank among new enterprise customers alongside CVS Health, Alaska Airlines and Edward Jones as it adds go-to-market and alliances leaders. | [12] |
| Jul 28, 2026 | Q2 10-Q: AI Risk Committee among eight operational-risk committees | The committee list adds a Regulatory and Data Oversight Committee to the seven named in the 10-K; the filing also cites AI developments as raising the sophistication of cyberattacks. | [4] |
| Mar 12, 2026 | Proxy: board Technology Committee oversees AI strategy | Shareholders asked about board oversight of AI; the Technology Committee oversees 'the strategy and implementation of AI'. | [1] |
| Feb 13, 2026 | 2025 10-K: AI risk factor and an Artificial Intelligence Risk Committee | AI 'in connection with our business and operations, including through the models we employ' named as a risk; an AI Risk Committee sits among the operational-risk committees. | [2] |
| Feb 5, 2026 | BNY's former CRO hired as risk chief | Senthil Kumar succeeds Helga Houston. | [13] |
| Feb 2, 2026 | Generative-AI risk framework: risk-tiered use cases, human oversight | At a Fortune CFO webinar on 27 January, Wasserman says a short delay in adopting AI can create a significant competitive disadvantage, so Huntington prioritises use cases by risk level and requires human oversight for higher-impact applications. | [5] |
| Dec 1, 2025 | Cadence Bank's 2024 10-K filed as an 8-K exhibit, with a generative-AI risk factor | The exhibit lists 'the development and use of generative AI presents risks and challenges' among Cadence's operational risks, two months before the merger closed. | [8] |
| Sep 24, 2025 | Framework for deploying AI at scale | Operating models, oversight and governance, in a WSJ/Deloitte interview. | [14] |
| Sep 11, 2025 | The return target: 10–15% costs, 10–15% revenue | Wasserman's mission to obtain a return on generative AI, balancing urgency with risk. | [15] |
Does Huntington have an AI risk committee?
Yes. The 2025 10-K names an Artificial Intelligence Risk Committee among the management committees that govern operational risk, alongside committees for fraud, information and technology risk and third-party risk. The Q1 and Q2 2026 10-Qs list it among eight such committees.
Which board committee oversees AI at Huntington?
The Technology Committee. The 2026 proxy says it 'oversees the strategy and implementation of AI', and that colleague AI use cases are scoped with oversight from the board, the Risk Oversight Committee and the Technology Committee. The proxy lists former US National Cyber Director Chris Inglis as its chair.
Has Huntington published responsible AI principles?
No standalone AI principles document or responsible-AI report was found. The public record consists of the 10-K risk factor, the proxy's committee charter language, the 10-Q committee list, the CFO's description of a risk-tiered framework with human oversight, and the chairman's statement that urgency must be balanced with responsibility, security and trust.
Does AI make lending decisions at Huntington?
Not on the disclosed record. In the Casca generative-AI SBA lending deployment, Huntington said credit decisions stay with its existing underwriting models and loan officers, and a banker reviews the overnight chatbot conversations with applicants the next morning. The 10-K notes AI is subject to fair lending law.
Which regulator supervises Huntington's AI use?
The Huntington National Bank is a national bank supervised by the OCC, whose model risk guidance applies to the models behind its agents. The CFPB covers consumer lending and deposit practices, and the Federal Reserve supervises the holding company and its third-party relationships.
- Huntington Bancshares 2026 Proxy Statement (DEF 14A)
- Huntington Bancshares Annual Report on Form 10-K for 2025
- Huntington Bancshares Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
- Huntington Bancshares Quarterly Report on Form 10-Q for the quarter ended 30 June 2026
- What CFOs at Adobe, Dataminr, and Huntington say about scaling AI
- Huntington Bancshares 2025 Annual Report (Form ARS, letter from the Chairman and 2025 Form 10-K)
- Huntington, Live Oak to invest in, deploy gen AI-based lending
- Form 8-K Exhibit 99.1: Cadence Bank Form 10-K for 2024
- Emerging Cyber & Fraud Trends Threatening Businesses
- Can AI Help Your Finances? Yes, With Caution
- Huntington Bank: Redacting sensitive data from 400M+ documents with AWS
- Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates
- Huntington hires BNY alum as next risk chief
- Banking on AI: Huntington's CFO on Innovation and Risk Oversight
- Huntington Bank's plan to obtain a return on gen AI
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