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US bank supervision of AI use

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This dossier follows OCC frameworks for examining bank AI and agents, distinguishing supervisory resources from regulatory obligations.

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Where things stand

On 4 November 2026, the OCC publishes a framework for examiners without creating new enforceable requirements for banks.

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Reported information

OCC issues an examiner guide for AI agents in banks

US bank regulator OCC published a framework for examiners on bank use of AI and agents on 4 November 2026. It creates no new regulatory obligations or enforceable standards.

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Bulletin 2026-54 calls for reviews tailored to use-case significance, potential consequences, autonomy and human oversight. The OCC says AI should not be treated as a distinct risk category requiring a separate risk appetite.

The official term “Super Intelligence” here encompasses technologies previously called artificial intelligence; it does not establish that banks use systems surpassing human intelligence. The guide is to be updated as uses evolve.

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