... Under the new framework, first reported by Reuters, the OCC says banks are not expected to establish separate risk parameters for AI use and examiners should not treat the technology as a unique risk. But examiners should consider the way a lender is using AI, as well as the size and complexity of the lender. ...
The OCC said its examiners should focus on the consequences of potential AI-driven mistakes at banks rather than the sophistication of particular models they're using.
For example, it said a simple AI agent that is authorized to initiate transactions could be considered riskier than a sophisticated model deployed for internal purposes. Higher-risk uses of AI may require greater restrictions on autonomy or more direct human oversight, the document said.
See the full story here: https://www.reuters.com/business/finance/us-bank-regulator-issues-first-ever-ai-guidance-examiners-2026-11-04/