WASHINGTON — The Office of the Comptroller of the Currency has issued a first-of-its-kind guidance with a framework to help examiners evaluate banks’ use of artificial intelligence, including agentic AI, in routine business activities.
The framework does not establish supervisory expectations for banks or impose enforceable standards or prescriptive requirements, the OCC said in a statement. It also is not intended for banks to use in assessing their technology use or related risk management.
Titled the “OCC Supervisory Framework on Bank Use of Super Intelligence,” the document is intended to help examiners identify technology-specific considerations that supplement existing practices for model risk management, governance, technology, compliance and operational risk, according to the agency.
How Framework Will be Used
Examiners may use the framework to tailor supervisory work to the nature of a bank’s uses of the technology and their potential consequences, the OCC said.
“Examiners should not treat SI as a separate and distinct risk category, and banks are not required to define a separate SI risk appetite,” the agency said, using the abbreviation for super intelligence.
The OCC said it would maintain a technology-neutral approach while encouraging safety, soundness and innovation. Banks are expected to conduct their activities safely and soundly whether they use traditional methods or newer technologies, the agency said.
