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Home · Handbook · Finance

Build & rules · AI Policy Handbook

Finance

Technology, law, and practice. As of November 3, 2026.

Facts checked November 3, 2026

As of November 3, 2026

Finance

Banks, brokers, and insurers use AI for fraud, credit, customer service, and surveillance. Existing financial regulations often apply to AI-mediated decisions without a single federal AI banking statute.

In one minute
  • Fair-lending and adverse-action rules can apply when models affect credit decisions.
  • SEC and FINRA communications and supervision rules may cover AI-assisted customer communications depending on use.
  • Model risk management guidance is frequently cited for AI/ML model governance in banking.
  • CreditECOA/Reg B adverse-action notice concepts remain relevant when AI is used in credit underwriting. Confirm current CFPB and agency materials.
  • SecuritiesBroker-dealer supervision and advertising rules may apply to generative-AI customer content. Check SEC/FINRA notices as issued.
  • EUCredit scoring and certain insurance uses may fall under AI Act Annex III high-risk categories when applicable.

Related: law tracker, corporate policy.

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