# The Toronto-Dominion Bank (TD Bank Group): AI agents, dated Source: https://www.bankingnewsai.com/banks/td-bank-group/ai-agents Record last changed: Oct 28, 2026 6 dated AI-agent moves from Feb 26, 2026 to Oct 13, 2026; 2 agent use cases on the profile, 1 in production. Strategy page: https://www.bankingnewsai.com/banks/td-bank-group ## Agent use cases | Use case | Stage | What it does | |---|---|---| | **Agentic pre-adjudication for mortgages and HELOCs** | In production | Autonomous agents classify documents, calculate income, check policy and consent and write an underwriter summary; the Q3 2026 call said the first RESL agentic capability was fully scaled and speeding decisions, with the same approach planned for small business and auto finance. | | **Agentic mortgage funding and discharge** | Rolling out | Two October 2026 capabilities verify documents across systems and flag discrepancies for colleague review; Chun put mortgage funding cost at about C$187 a file falling to about C$47, and discharges at about C$22 to C$23 falling to about C$11. | ## Timeline ### Oct 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-10-13 | **Agentic AI extended to mortgage funding and discharge** Two new capabilities coordinate document checks across systems; funding case review in up to half the time; builds on pre-adjudication, which fell from 15 hours to under three minutes. | Rolling out | [TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html) | ### Sep 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-09-09 | **Chun: 'sizeable upside' to the C$1 billion target** At the Scotiabank Financials Summit the CEO says an AI agent for collections lifted the customer connect rate to between 20% and 25% from 7% and that the mortgage agent is transferable to small business banking and auto finance. | Announced | [Financial Post via Yahoo Finance, Sep 9, 2026](https://finance.yahoo.com/news/banks-ai-allowing-them-recover-210106543.html) | ### Jul 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-07-16 | **OSFI bulletin on generative and agentic AI** OSFI sets out sound practices for generative and agentic AI under its technology, operational-resilience and third-party guidelines (B-13, E-21, B-10), pointing to E-23 for model risk. | Announced | [Office of the Superintendent of Financial Institutions, Jul 16, 2026](https://www.osfi-bsif.gc.ca/en/risks/technology-cyber-risk-management/technology-risk-bulletin/generative-agentic-artificial-intelligence-implications-technology-cyber-security-operational) | ### May 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-05-21 | **First agentic AI model, in real-estate secured lending** Generates application summary memos for underwriters in minutes; human in the loop. | Announced | [TD Bank Group newsroom, May 21, 2026](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend) | ### Apr 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-04-16 | **Chun on Anthropic and personal AI agents for front-line colleagues** At the annual meeting he tells the Globe and Mail that TD does some work with Anthropic but is not in the limited Claude Mythos preview, and that TD plans a personal AI agent for each employee that summarises a client's portfolio and past conversations. | Announced | [The Globe and Mail, Apr 16, 2026](https://theglobeandmail.com/business/article-anthropic-claude-mythos-software-rollout-td-ceo) | ### Feb 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-02-26 | **Q1 2026 call: about C$170 million of AI value in 2025** The bank says AI delivered about $170 million in 2025; Chun says the generative knowledge-management tool has reached more than 1,000 Canadian branches and the agentic mortgage project is scaling; the CFO targets $150 million of insurance claims-cost savings. | Announced | [Banking Dive, Mar 3, 2026](https://www.bankingdive.com/news/td-bank-150m-insurance-cost-reductions-ai-chun-salom/813637/) | --- Canonical page: https://www.bankingnewsai.com/banks/td-bank-group/ai-agents Part of [BankingNewsAI](https://www.bankingnewsai.com/). Every row is a dated, sourced entry on a bank profile on this site; the stage is the one the bank describes. Index of Markdown pages: https://www.bankingnewsai.com/llms.txt.