SEC filings · computed from SEC EDGAR filings dataset; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 31, 2026, 62 of the 141 large banks profiled have a verbatim filing statement about AI regulation. Ranked by quotes (filings), the top 5 are BNY (7 filing quotes), Associated (7 filing quotes), First Citizens (5 filing quotes), Glacier (4 filing quotes) and Amex (3 filing quotes). BNY's strongest evidence: BNY warns that evolving AI legal and regulatory frameworks could require changes to its AI implementation and raise compliance costs. (Form 10-K, risk factors, filed Feb 25, 2026).
141 banks profiled (120 US, 21 non-US) · 62 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks discuss AI regulation in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | BNY | 7 | BNY warns that evolving AI legal and regulatory frameworks could require changes to its AI implementation and raise compliance costs. (Form 10-K, risk factors, filed Feb 25, 2026) | 3 filings | Feb 25, 2026 | BNY · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | Associated | 7 | Associated says failure to comply with evolving AI regulation could adversely affect its business, results and financial condition. (Form 10-K, risk factors, filed Feb 12, 2026) | 3 filings | Feb 12, 2026 | Associated · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | First Citizens | 5 | First Citizens notes many federal bills and new state AI laws are emerging, including on AI development and deployment. (Form 10-K, business, filed Feb 24, 2026) | 3 filings | Feb 24, 2026 | First Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | Glacier | 4 | Glacier says the regulatory landscape for AI is evolving and may be inconsistent across jurisdictions. (Form 10-K, risk factors, filed Feb 25, 2026) | 2 filings | Feb 25, 2026 | Glacier · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | Amex | 3 | Amex says new and existing AI and machine learning rules are reshaping how it develops, deploys and manages AI systems. (Form 10-Q, MD&A, filed Apr 23, 2026) | 3 filings | Apr 23, 2026 | Amex · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Sallie Mae | 3 | SLM expects shifting AI regulation could raise its compliance costs and non-compliance risk. (Form 10-K, risk factors, filed Feb 19, 2026) | 2 filings | Feb 19, 2026 | Sallie Mae · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Raymond James | 3 | Raymond James says certain US states have enacted AI-related privacy rules that challenge firms using AI, and the EU AI Act adds further compliance challenges. (Form 10-K, business, filed Nov 25, 2025) | 2 filings | Nov 25, 2025 | Raymond James · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Webster | 3 | Webster says the legal and regulatory environment for AI is uncertain and rapidly evolving in the U.S. and internationally. (Form 10-K, risk factors, filed Mar 3, 2025) | 2 filings | Mar 3, 2025 | Webster · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | Customers Bank | 3 | Customers Bancorp warns that failing to comply with evolving AI regulation could harm its business, results, reputation and financial condition. (Form 10-K, risk factors, filed Feb 28, 2025) | 2 filings | Feb 28, 2025 | Customers Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Busey Bank | 2 | Busey flags that new AI-specific laws could significantly affect its privacy, data protection and security practices. (Form 10-K, risk factors, filed Feb 26, 2026) | 2 filings | Feb 26, 2026 | Busey Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Goldman | 2 | Goldman notes the EU AI Act took effect in 2024, with provisions phasing in through August 2027. (Form 10-K, business, filed Feb 25, 2026) | 2 filings | Feb 25, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | Zions | 2 | Zions says evolving AI laws may require changes to its AI adoption approach and raise compliance costs. (Form 10-K, risk factors, filed Feb 24, 2026) | 2 filings | Feb 24, 2026 | Zions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | Stifel Bank | 2 | Stifel says the uncertain, rapidly evolving AI regulatory environment could limit its AI use and raise compliance costs. (Form 10-K, risk factors, filed Feb 24, 2026) | 2 filings | Feb 24, 2026 | Stifel Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | U.S. Bank | 2 | U.S. Bank says evolving and inconsistent AI and data usage rules could raise its compliance expenses and litigation and regulatory exposure. (Form 10-K, risk factors, filed Feb 23, 2026) | 2 filings | Feb 23, 2026 | U.S. Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | SoFi | 2 | SoFi notes Texas, Colorado and California have passed AI laws, some already in effect, amid an unclear federal framework. (Form 10-K, risk factors, filed Feb 17, 2026) | 2 filings | Feb 17, 2026 | SoFi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | JPMorgan | 2 | JPMorgan says it is subject to global laws and rules covering AI and data, which are constantly evolving and enforced by regulators and private parties. (Form 10-K, business, filed Feb 13, 2026) | 2 filings | Feb 13, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | Huntington | 2 | Huntington says evolving AI laws and regulator reviews could adversely affect its ability to use AI. (Form 10-K, risk factors, filed Feb 13, 2026) | 2 filings | Feb 13, 2026 | Huntington · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | Bread Financial | 2 | Bread Financial says evolving AI laws could require changes to its AI use and raise compliance costs. (Form 10-K, risk factors, filed Feb 13, 2026) | 2 filings | Feb 13, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | Columbia | 2 | Columbia says evolving AI laws could force changes to its AI implementation and raise compliance costs and non-compliance risk. (Form 10-K, risk factors, filed Feb 25, 2025) | 2 filings | Feb 25, 2025 | Columbia · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | Capital One | 2 | Capital One notes AI is under review by US agencies and that states and foreign jurisdictions are applying or considering AI laws. (Form 10-K, risk factors, filed Feb 20, 2025) | 2 filings | Feb 20, 2025 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | Eastern Bank | 2 | Eastern says AI regulation is evolving rapidly as federal and state lawmakers and regulators focus on the technology. (Form 10-K, risk factors, filed Mar 2, 2026) | 1 filing | Mar 2, 2026 | Eastern Bank · in their words → | SEC EDGAR ↗ |
| 22 | Community Bank N.A. | 2 | Company warns new AI and automated decision-making laws could restrict or burden its ability to use these technologies. (Form 10-K, risk factors, filed Feb 28, 2025) | 1 filing | Feb 28, 2025 | Community Bank N.A. · in their words → | SEC EDGAR ↗ |
| 23 | Hancock Whitney | 2 | Hancock Whitney says the AI legal and regulatory environment is uncertain, rapidly evolving, and spans many existing law areas. (Form 10-K, business, filed Feb 27, 2025) | 1 filing | Feb 27, 2025 | Hancock Whitney · in their words → | SEC EDGAR ↗ |
| 24 | First Hawaiian | 2 | First Hawaiian says the AI legal and regulatory environment is uncertain and rapidly evolving in the U.S. and internationally. (Form 10-K, risk factors, filed Feb 28, 2024) | 1 filing | Feb 28, 2024 | First Hawaiian · in their words → | SEC EDGAR ↗ |
| 25 | Mechanics Bank | 1 | Mechanics Bank expects new AI laws and regulations that could impair its products and services. (Form 10-K, risk factors, filed Mar 17, 2026) | 1 filing | Mar 17, 2026 | Mechanics Bank · in their words → | SEC EDGAR ↗ |
| 26 | Valley | 1 | Valley notes AI regulation is rapidly evolving and it may need to adjust operations if legal frameworks are inconsistent across jurisdictions. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Valley · in their words → | SEC EDGAR ↗ |
| 27 | Banc of California | 1 | Banc of California says AI failures or evolving AI regulatory requirements could lead to regulatory scrutiny, litigation, financial losses, or reputational harm. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Banc of California · in their words → | SEC EDGAR ↗ |
| 28 | Rockland Trust | 1 | Independent Bank says the AI legal and regulatory environment is uncertain, rapidly evolving, and could raise its compliance costs. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Rockland Trust · in their words → | SEC EDGAR ↗ |
| 29 | Seacoast Bank | 1 | Seacoast says the AI legal and regulatory environment is uncertain and changes could raise its compliance costs. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Seacoast Bank · in their words → | SEC EDGAR ↗ |
| 30 | Citizens Business Bank | 1 | CVB says evolving AI laws could force changes to its AI use, raise compliance costs and increase non-compliance risk. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Citizens Business Bank · in their words → | SEC EDGAR ↗ |
| 31 | Live Oak | 1 | Live Oak notes AI is under ongoing review by US agencies and states, which may apply or create AI-specific legal frameworks. (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Live Oak · in their words → | SEC EDGAR ↗ |
| 32 | Wintrust | 1 | Wintrust says the legal and regulatory environment for AI is uncertain, rapidly evolving, and spans many existing laws. (Form 10-K, risk factors, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | Wintrust · in their words → | SEC EDGAR ↗ |
| 33 | UMB | 1 | UMB says its privacy and data laws it must follow increasingly cover integration with artificial intelligence and processing of personal information. (Form 10-K, risk factors, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | UMB · in their words → | SEC EDGAR ↗ |
| 34 | Atlantic Union | 1 | Atlantic Union says the evolving AI legal and regulatory environment may raise its compliance costs and noncompliance risk. (Form 10-K, risk factors, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | Atlantic Union · in their words → | SEC EDGAR ↗ |
| 35 | FirstBank | 1 | FB Financial expects regulators to apply governance and model risk expectations to AI, possibly adding controls and compliance costs or limiting AI uses. (Form 10-K, risk factors, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | FirstBank · in their words → | SEC EDGAR ↗ |
| 36 | BancFirst | 1 | BancFirst warns AI regulations could restrict AI use or add compliance costs that reduce its products' usability or effectiveness. (Form 10-K, business, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | BancFirst · in their words → | SEC EDGAR ↗ |
| 37 | BofA | 1 | Bank of America says rapidly evolving AI rules could require deployment changes and raise compliance costs and legal risk. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | BofA · in their words → | SEC EDGAR ↗ |
| 38 | Ally | 1 | Ally says a fragmented US AI regulatory landscape could raise compliance costs and limit certain AI applications. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | Ally · in their words → | SEC EDGAR ↗ |
| 39 | Simmons Bank | 1 | Simmons says the evolving AI legal and regulatory environment could raise its compliance costs and noncompliance risk. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | Simmons Bank · in their words → | SEC EDGAR ↗ |
| 40 | First Merchants | 1 | First Merchants says evolving AI laws in the U.S. and abroad could raise compliance costs and require changes to its AI implementation. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | First Merchants · in their words → | SEC EDGAR ↗ |
Each row quotes one record from SEC EDGAR filings dataset; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the SEC filings dataset (data/sec/quotes.jsonl): verbatim AI statements from 10-K, 10-Q, 8-K and DEF 14A filings of the banks' holding companies, each with its EDGAR link, filing date, section and topic.
Rule: Quotes classified as AI regulation (new laws, supervisory expectations, compliance cost). Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 62 of 141 profiled banks qualify; the table shows the top 40; 60 distinct sources cited in the table. Data checked 2026-10-31; ranking template updated 2026-10-30.
What are the caveats?
The dataset holds the AI passages the extractor found in filings since January 2024; a bank with few quotes may say more in passages not captured. Quotes are verbatim; the one-line claim is the extractor's summary and links the EDGAR text.
Banks without a US SEC filer (most non-US groups, private and mutual banks) have no quotes and are absent.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
BNY (Bank of New York Mellon) leads with 7 filing quotes: BNY warns that evolving AI legal and regulatory frameworks could require changes to its AI implementation and raise compliance costs. (Form 10-K, risk factors, filed Feb 25, 2026). Associated is second with 7.
How many large banks discuss AI regulation in SEC filings?
62 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 40 are US banks and 0 non-US groups.
What counts, and what does not?
Quotes classified as AI regulation (new laws, supervisory expectations, compliance cost). Score = such quotes; ties by distinct filings, then the newest filing. Source: the SEC filings dataset (data/sec/quotes.jsonl): verbatim AI statements from 10-K, 10-Q, 8-K and DEF 14A filings of the banks' holding companies, each with its EDGAR link, filing date, section and topic.
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-31 (SEC EDGAR filings dataset). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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