Regulation and oversight
Decisions by central banks, supervisors and legislators on the financial use of AI.
Viewpoint
November 2026 · 11
ECB may review banks' data center lending over AI riskbanking professionalThe data center lending portfolio should be reviewed in anticipation of an inspection.Foster bill would bolster use of technology to monitor AI financial risksFCA to launch quantum machine learning pilot group in 2027 to tackle fraud and money launderingfintech companyThe pilot group may offer an opportunity to test detection solutions.Central Bank of Bahrain report finds AI poses no immediate threat to financial systemOCC's first supervisory guidance on bank AI use rates simple payment agents as high riskbanking professionalInventories, risk classifications and control documentation for AI systems should be prepared for examinations, especially for agents that make payments.fintech companyFintech firms working with banks can expect stricter AI-control questions from partner banks.Hong Kong becomes first banking regulator to require identity credentials for AI agentsbanking professionalThe agent's identifier must be recorded in the onboarding and risk-management process.China to explore AI applications in financial regulation and services, report saysFCA sets out good and poor practice for AI use in financial servicesbanking professionalAI use in financial crime prevention should be checked for the shortcomings the FCA has flagged.ECB lists AI stock valuations among financial stability riskschief financial officerRisk linked to AI stocks and shadow bank exposures should be included separately in stress tests.banking professionalRisk managers have reason to review AI-related exposures.Philippine central bank: central banks must weigh AI risks and opportunitiesbanking professionalASEAN banks can expect guidelines on the responsible use of AI to be drawn up.Bank of England says AI assurance practices have gapsbanking professionalThe validation and verification of AI models is not yet mature enough, so an internal testing framework needs to be built.
October 2026 · 36
Financial Times looks at how AI could support bank supervisionAgentic AI is reaching production in banks faster than supervisory guidance can keep upbanking professionalGuardrails and supervisory expectations should be built into deployments from the design stage.Is Nigeria's fraud rulebook ready for AI agents as shoppers?Bank of England and FCA publish joint report on AI in UK financial servicesbanking professionalWhen adopting agentic AI, documenting vendor dependence and governance may become an expectation.FCA builds agentic finance rules without introducing AI-specific regulationbanking professionalTesting and quality-assurance procedures for agentic systems need to be tightened.fintech companyAI that produces financial content needs clear warnings and liability frameworks.Canada's OSFI endorses FSB AI guidance while Quebec's AMF issues guideline on AI use by financial institutionsHungary's central bank examines AI strategies at banks: plenty of risk, few peoplebanking professionalAn AI strategy should also document the level of expertise and human oversight.Hungary's tax authority plans AI selection of risky invoices in real time in 2026, accountant saysaccountantThe accuracy and consistency of invoice data come to the fore, because AI screening can flag discrepancies in real time.chief financial officerThe quality of company invoicing data and the handling of risk flags should be sorted out in advance.US regulators expect banks to account for AI use; SEC to focus on AI in examsbanking professionalDocumentation on AI system vendors and security should be put in order.UK tax authority moves to tackle rogue tax advice from artificial intelligenceretail customerAI tax advice should be checked against official sources.accountantClients' incorrect tax advice taken from AI must be corrected.Bank of Japan, MAS and China's central bank focus on AI risks and strategybanking professionalScenarios of AI-driven cyberattacks and market shock may be included in risk stress tests.Bank of England considers AI stress test; pension trustees urged to test concentration riskchief financial officerAI concentration should be tested in pension and investment portfolios.FCA urges AI providers to warn users about limits of chatbot financial adviceretail customerA chatbot's answer is not the same as regulated financial advice, so it should be checked before any major decision.fintech companyFirms offering chatbot-based financial guidance must build in a clear warning about its limits.FCA sets out good and poor AI practice; firms overestimate model accuracybanking professionalClaims about model accuracy must be backed by documented testing.chief financial officerThe governance framework for AI deployments must be settled before go-live, not afterwards.fintech companyFirms must demonstrate that customer interests come first in new AI features.HKMA launches "ART" framework for responsible AI adoption in banking; banks test deepfake detectionbanking professionalThe framework for responsible AI adoption can serve as a reference for internal governance.G7 to test banking system defences with AI-assisted cyberattack simulationsbanking professionalExpect your incident response and business continuity plans to be tested against AI-driven attack scenarios.FCA to review suitability tests for complex products as AI simplifies questionnairesbanking professionalWhen selling complex products, it is worth building in additional checks.retail customerGaming the questionnaire offers no protection and may lead to stricter checks.FSB's final report sets out 12 sound practices for responsible AI adoptionbanking professionalCompare the human-oversight points in your agentic AI processes against the 12 practices.insurerThe practices are also worth using as a reference when deploying AI agents in insurance processes.Ping An Digital Bank reaches 96% deepfake detection accuracy in HKMA GenAI sandboxbanking professionalThe sandbox result is a benchmark for the accuracy of deepfake-detection systems.Report finds banks may face liability over use of AI chatbotsbanking professionalA bank may be liable for the answers of a chatbot on a customer-facing channel, so supervise and log them.FCA to automate supervision with AI, with no new rules for chatbotsbanking professionalCompliance is judged under existing rules rather than new chatbot rules, so it is worth documenting internal controls.fintech companyAI Live Testing remains a way to trial AI products.Bank regulators in the US and Europe tighten scrutiny of AI risksbanking professionalCompile an inventory of AI use, including components of Chinese origin, and have a documented shutdown mechanism for every autonomous agent.chief financial officerExpect stricter supervisory scrutiny of substitution and outsourcing risks in AI systems.IMF stability report flags AI market correction, rising yields and cyber riskchief financial officerRun a stress scenario for an AI correction and higher yields in funding and investment plans.banking professionalCheck AI-related credit and market exposure.insurerReview the concentration of AI-linked assets in investment portfolios.AICPA issues practice aid on using AI in financial statement auditsaccountantBefore using an AI tool in audit work, compare your process with the AICPA practice aid.chief financial officerExpect your auditor to use AI, and ask about controls.FSB chair names AI and stablecoins as priorities for the G20fintech companyProviders of stablecoin-based and AI-agent services should prepare for tighter compliance expectations.Singapore regulator sets AI rules for banks and insurersbanking professionalAt banks with a presence in Singapore, check alignment with the new AI rules.insurerThe new rules also apply to the use of AI by Singapore insurers.EBA, ESMA and EIOPA put AI and tokenisation in 2027 joint work programmefintech companyFor tokenisation and AI products, expect EU supervisory guidance.insurerEIOPA is also involved in the AI work.Central bankers urge collaboration as AI reshapes inflation, jobs and financial stabilitychief financial officerIn interest-rate and inflation scenarios, allow for the uncertainty caused by AI.Hungarian experts call for AI and robot tax as IMF warns of lost tax revenueaccountantThe tax debate may affect how automated work is accounted for; it is worth following the proposals.chief financial officerThe debate concerns the cost and tax effects of labour replaced by AI.Singapore's MAS issues risk management guidelines on banks' use of AIbanking professionalInventory, oversight and ownership of AI models require an internal process.Central banks examine AI boom: BOJ and ECB study financial effects, Bank Indonesia flags ASEAN challengeschief financial officerInterest rate and inflation outlooks should be planned with the effects of AI demand in mind.FCA publishes good and poor practice on AI; Mills Review examines future of retail financefintech companyAI Live Testing and the sandbox offer a way to trial AI products in a supervised environment.Four Magyar Nemzeti Bank presentations on PSR/PSD3 payment rules and AIbanking professionalPreparation for the EU changes affecting payment services can begin.Hungary's central bank says AI increases European banks' technological dependencebanking professionalBanks should map which AI providers and shared suppliers, if they failed, would affect the operations of a Hungarian bank.ECB says rapid AI adoption creates systemic risk in financial marketsbanking professionalConcentrated AI use and decisions built on shared models should be recorded as risks.Reserve Bank of Australia warns of AI bubble bursting in Financial Stability Reviewbanking professionalA price-correction scenario should also be considered when assessing exposures built on the AI market.
September 2026 · 50
Bank of England warns AI and debt risks together threaten financial stabilitybanking professionalCredit and capital-market exposure linked to AI should be tracked as a separate item in risk management.chief financial officerFunding and investment exposures should be stress-tested against an AI-correction scenario.Fed's Waller: AI shopping changes what banks need to authenticatebanking professionalFraud-detection and authentication models must distinguish between a transaction initiated by the customer and one initiated by their agent.fintech companySpending permissions granted to agents should be designed in tiers, with limits.UK financial regulators don't want AI-specific rules; FCA sees a leading role for UK in financebanking professionalExisting regulation applies to AI use, without a separate AI law.fintech companyThe favourable regulatory stance may count in favour of UK financial AI development.Australian regulator to formally review banks' use of AI and its customer impactbanking professionalDocumentation and customer-impact assessments for AI tools used in customer communication should be prepared.Fed's Bowman warns banks on AI cyber risks while citing potential benefitsbanking professionalCybersecurity controls and system resilience should also be tested against AI-assisted attacks.Israel's Finance Ministry warns taxing AI could backfirechief financial officerThe debate over an AI tax affects the risk to technology investment and tax planning.CSBS announces AI supervisory framework for state-chartered banks and nonbank institutionsbanking professionalState-chartered banks need to assess whether their AI use meets the new supervisory expectations.fintech companyBecause the framework also covers nonbank institutions, AI use will have to be documented.IRS chief pushes 'AI-first' approach as watchdog says AI risk management needs improvementaccountantAs AI use at the tax agency expands, audit and compliance practice may also be affected.Frontier AI is testing operational resilience in European bankingbanking professionalOperational dependencies and failure handling of AI systems must be built into resilience plans.ESMA makes AI and tokenisation an EU supervisory priority for 2027fintech companyFirms using tokenisation and AI should expect increased supervisory attention.FCA Mills Review AI findings; Claude for financial advisers with Schwab integrationbanking professionalResponsibility for deploying AI assistants built into advisory workflows needs to be clarified.fintech companyAdvisory AI integrations are now appearing at large platforms too.AICPA and former IRS commissioner Danny Werfel launch initiative on AI tax risksaccountantIndustry guidance on applying AI in tax is being prepared and is worth following.chief financial officerResponsible-use practices for AI in tax should be documented.Global banks work together on principles for agentic commercebanking professionalThe emerging industry principles may shape internal rules for agentic payments.Singapore's MAS reviews deepfake scam defences as cross-bank AI shield is testedbanking professionalBecause of deepfake-based fraud, authentication and confirmation processes need to be reviewed.Fed's top bank supervisor focuses on banks protecting themselves from AI risksbanking professionalUS supervisors are paying increased attention to how banks manage AI risks internally.AI supervision frameworks: US state regulators, CFTC forum, Bank of England deputy governor's warningbanking professionalHuman oversight of autonomous AI systems needs to be built into documentable processes.S&P: AI use will soon influence banks' credit ratingsbanking professionalAI strategy and risk management will become factors in credit rating assessments.chief financial officerA bank's AI adoption and governance data will also need to be communicated to rating agencies in a structured way.OCC conditionally approves bank charters for AI-agent and stablecoin infrastructurefintech companyThe US charter route may open up for agent and stablecoin infrastructure as well.banking professionalNew licensed competitors may enter agent payments and stablecoin services.Brazil tightens Pix rules over deepfake fraud; South Korea overhauls credit information consentfintech companyThe overhaul of the consent system gives room to develop AI assistants in South Korea.banking professionalDeepfake-related rules for instant payment systems could serve as a model elsewhere.OECD says supervising AI in finance depends on stricter enforcement of existing rulesIMF says Europe stands to gain much from AI, but at a possible costchief financial officerThe direction of the EU finance ministers' discussion will affect the public policy environment for AI.NAIC expands insurer AI evaluation pilot to machine learninginsurerInsurers should be prepared for supervisory AI evaluation questions on machine learning models too.US state bank examiners get a playbook for inspecting AIbanking professionalBanks under state supervision should keep an AI-use inventory and risk-management documentation ready.Hungarian tax authority NAV's AI and machine-learning developments affect cash-book checksaccountantThe cash book must be kept up to date and verifiable, because the tax authority also uses data-driven checks.chief financial officerCash-handling processes must be documented in a way that suits tax-authority analysis.Is the FCA underestimating the AI fraud threat?Lagarde: Europe faces unprecedented risk of being cut off from US AIbanking professionalDependence on critical AI providers should be treated as a supplier risk.Visa, Mastercard and Ant seek to align AI agent verification, but disagree on the solutionbanking professionalThe standard for agent identification will determine what checks must be built into the payment flow.fintech companyMultiple parallel verification systems may raise integration costs.AI agents challenge the financial supervision model, Zango analysis finds, as Singapore weighs governance gapsBIS says AI-linked stock market rally shows signs of vulnerabilitychief financial officerAI exposure and concentration in the portfolio should be reassessed with stress tests.Bank of Korea warns AI trading frenzy in Samsung and SK Hynix derivatives poses financial stability riskchief financial officerLeveraged AI exposure should be restrained with limits.MAS tests cross-bank AI models to detect scams fasterbanking professionalIn bank fraud detection, modelling data sharing between banks is a practical direction.Agentic AI in banking: six weeks after the EU AI Act, a US model risk update, SR 26-2banking professionalThe model risk classification of agentic AI should be aligned with regulatory expectations.Tax officials barred from sharing taxpayer data with AI tools; US corporate tax payments fall on AI investment incentivesaccountantBefore uploading client data to a third-party AI tool, check data-protection and confidentiality limits.chief financial officerTax breaks on AI investment should be factored into tax planning.Telangana tax department holds officers personally accountable for unauthorised AI sharing of taxpayer dataaccountantClient data may be entered into a public AI tool only in line with internal policy and data-protection approval.Singapore to pilot common prefix for government calls and cross-bank AI against scamsbanking professionalCross-bank data sharing allows faster identification of suspected scam accounts, and the model can be adopted elsewhere.retail customerA uniform calling prefix helps tell genuine official calls from impersonation.RBI warns of speed, concentration and opacity risks in AI use in financebanking professionalFast, automated decisions need built-in human review points and a shutdown mechanism.BIS, Bank of England and central banks warn of AI-driven financial stability riskschief financial officerRisk models should carry a separate item for dependence on AI providers and the danger of fast, correlated decisions.India prepares AI-agent registry and Unified Agent Protocol for UPIfintech companyUPI agents will only be able to operate in a registered, verified way, which developers need to factor in now.banking professionalBanks will need to verify agent authentication and handle authorised transactions.FCA frontier AI review: financial firms inundated with AI-generated security findingsbanking professionalIT security teams must plan capacity to handle vulnerabilities uncovered with AI tools.Central bank makes AI a strategic priority; AI governance is the sector's taskbanking professionalFor AI in credit assessment, systems should be designed around the MNB's expectations and explainability.APRA and ASIC issue coordinated direction on frontier AI riskbanking professionalFor services built on frontier models, risk management documentation needs to be checked.FTC now targets payment processors that enable AI-driven fraudfintech companyPayment processors need to tighten merchant screening and the flagging of suspicious traffic.banking professionalIn acquiring-side risk management, responsibility grows for screening out fraudulent merchants.German legal analysis: does AI agents' payment processing require a licence under the ZAG?fintech companyAn agentic payment business model should be reviewed for licensing requirements before development begins.AI fraud pushes US toward cryptographic digital identitybanking professionalProcesses built on document-based identification should be reviewed.FCA warns frontier AI could create bottlenecks in fixing cyber vulnerabilities at UK financial firmsbanking professionalVulnerability patching priorities and capacity must be reviewed, because AI speeds up attacks.fintech companyPatching processes and third-party management should be documented in line with FCA expectations.AI Act Annex III point 5(c) brings insurers' pricing AI under strict requirementsinsurerA risk assessment must be prepared for risk-assessment and pricing AI systems because of their high-risk classification.ASIC removes 19,400 AI-driven scam sites in Australiaretail customerThe reliability of ads and investment offers should be checked in official registers.MNB recommendation and credit scoring: high-risk AI systems at Hungarian banksbanking professionalThe use of AI in credit-scoring models must be reviewed under the new MNB recommendation and the EU high-risk classification.India works on small-value UPI payments by AI agents under user-set rulesretail customerThe customer would set the agent's spending limits and rules, so configuring them will be the main safeguard.banking professionalInstant payment systems need a new authorisation and limit-management process for agent-initiated payments.fintech companyThe framework opens a new product space for delegated payment services.Big banks and big tech clash over regulation of agentic AIbanking professionalThe outcome of the regulatory debate will determine who is liable for transactions initiated by an agent.fintech companyThe bank–tech clash directly affects market-access conditions for agentic services.
August 2026 · 51
FSB chair warns G20 that frontier AI cyber risk threatens financial stabilitybanking professionalCyber-risk plans and vulnerability management must account for frontier AI models in attackers' hands.chief financial officerRisk and liquidity scenarios should include a correction in AI valuations and rising leverage, since Bailey says together they could trigger another crisis.insurerCyber insurance exposure and terms should be reassessed in light of AI-driven attacks.fintech companyAttack scenarios built on frontier AI should be included in security and business-continuity testing.Visa, Mastercard and Fiserv join Agentic Payments Alliance as EMVCo publishes draft agentic payments frameworkbanking professionalComments on the EMVCo draft can be submitted until 30 September, and issuers should already consider their customer and agent identification logic.fintech companyFirms should align with the emerging standards or take part in shaping them, because these will determine how agent payments are accepted.ECB tightens AI requirements for banks, giving them until October to adaptbanking professionalEuro-area banks must assess by October whether their use of AI meets the ECB's expectations.PCAOB faces pressure to set an audit standard for corporate AI useaccountantThe impact of AI tools used in audits on audit quality must be documented and measured.Dutch banking association urges lenders to use AI for transaction monitoring; AML human oversight examinedbanking professionalFor AI-based monitoring, the rationale for alerts and the human decision points need to be documented.MAS and industry publish SAFR framework for runtime safeguards on AI agents in financebanking professionalThe SAFR control set can be a starting point for building runtime protection for agent systems.Germany: BNetzA to lead AI oversight, BaFin to address financial-sector AI risksbanking professionalAt German subsidiaries, it must be clarified which authority examines which use of AI.NAIC AI risk evaluation supplement open for comments until 29 SeptemberinsurerThe supplement, which will shape reporting expectations for AI risk evaluation, can be commented on until the 29 September deadline.Bermuda Monetary Authority consults on AI guidance for financial sectorinsurerBermuda's insurance and reinsurance players should assess the guidance's proposed requirements early.German banking association comments on draft EU Cloud and AI Development Actbanking professionalCADA may affect the terms for procuring cloud and AI infrastructure, so the banking sector's position is worth following.Korean regulator to review banks' call centers over AI chatbot delaysbanking professionalAn AI chatbot must not come at the expense of access to human customer service.retail customerThe regulator is checking how reachable customer service is.Hungary's MNB reviews banks' AI sub-strategies as supervisors ask for evidence of AI operationsbanking professionalDocumented consistency must be established between the AI sub-strategy and actual operations.FCA's Mills Review puts AI governance at the heart of UK fintechfintech companyThe AI governance framework should be documented and aligned with supervisory expectations.SEC probes near-collapse of AI hedge fund Situational Awarenesschief financial officerThe concentration and liquidity of AI positions should be reassessed.ECB tells eurozone banks to tighten cyber-security as AI changes the threat picturebanking professionalCyber-risk controls and defences against AI-based attacks need to be reviewed.BaFin begins implementing EU AI rules in finance; ESAs issue statement on frontier AIbanking professionalAs the buyer of a credit-scoring or pricing system, the bank must ensure instructions for use and human oversight are in place.insurerFor high-risk AI systems, the requirements apply to pricing and underwriting as well.fintech companyFor lending and scoring products, provider obligations under the AI Act need to be clarified.ECB experts warn AI bubble burst could put €440 billion at riskchief financial officerExposure linked to AI equities should be examined through stress testing.retail customerSavings with indirect exposure to AI equities are worth checking.Calls to tax AI emerge: proposals for a levy and an international agencychief financial officerA possible AI tax could affect cost calculations and the return on AI investments.accountantAI taxation proposals may become new topics in tax advisory.Australia's Tax Practitioners' Board issues guidance on AI use by tax professionalsaccountantAfter AI-assisted tax research, the accountant must verify the legal reference personally.Five AI steps to take before the SEC examiner knockschief financial officerAI-related claims in public disclosures should be verifiable.Bank Negara Malaysia links AI governance to its 2027–2030 blueprintAsian banks must redefine what counts as an authorized payment in the age of AI agentsbanking professionalAuthentication and dispute-resolution rules must be amended for cases where an agent initiated the payment.retail customerCustomers need to understand what authority they give an agent, because it determines their chances of a successful claim later.ECB researchers warn an AI-rally correction could hit the euro area hardretail customerRetail customers may also be exposed to US tech stocks through pension and index funds, so it is worth checking portfolio concentration.chief financial officerGiven the impact on financing conditions and hiring, it is worth running a stress test for a correction scenario.banking professionalLending and supply exposure tied to AI stocks needs to be reassessed.ASIC removes over 19,400 scam sites as deepfake investment fraud spreads in Australiaretail customerIt is not enough to check an investment offer through an online search; check the official regulator's register.banking professionalWarning customers about suspicious investment transfers is a priority task in the era of deepfake ads.Japan issues administrative guidance to tech giants over deepfake investment scamsretail customerAn investment offer from a famous expert or politician should be verified through an official channel before any money is transferred.banking professionalScams built on deepfake ads show up as suspicious investment transfers, so screening for them is a priority.Indian banks may soon test AI defences against Mythos threats under RBI supervisionbanking professionalBanks should prepare to demonstrate, within a supervisory framework, their ability to defend against AI-based attacks.Hungarian government to deploy new tool against AI manipulation; 70% of corporate deepfake incidents are financial fraudchief financial officerMost corporate deepfake incidents are financial fraud, so the transfer-approval process should be strengthened accordingly.banking professionalThe government action may also affect fraud-prevention and customer-identification practice, and is worth following.BaFin takes over financial market surveillance under the EU AI Actbanking professionalClassifying lending and fraud-detection AI models as high-risk may bring supervisory review.Study says finance needs AI-specific rules; new deepfake rules miss a key risk for banksbanking professionalBecause of gaps in the anti-deepfake rules, banks will have to rely on their own controls.South Korea moves to regulate AI risks in finance, with watchdog targeting hallucinationsbanking professionalGenerative tools used in customer communication will need a verification step and human review.Singapore: MAS SAFR runtime governance standard for agentic AI and a new AI taskforce for cyber resiliencebanking professionalLive oversight of agentic systems (logging, interruption) should be built in from the start.US regulators advance AI steps: NAIC risk governance and SIIA response to House Financial Services CommitteeinsurerThe NAIC AI risk management guidance is worth integrating into internal model governance.Colorado proposes automated decision-making rules; ABA calls for federal AI regulationbanking professionalReview automated decisions and customer chatbots against the new rules.fintech companyFragmented state-level regulation may raise compliance costs.FCA's Mills Review sets out vision for AI-enabled retail financial servicesbanking professionalTrack UK expectations when designing AI-based customer services.fintech companyThe direction of the Mills Review may affect how UK retail AI products reach the market.Hungarian analysis: MNB Recommendation 13/2025 and the AI Act shape AI practice in financebanking professionalThe requirements of the MNB recommendation must also be enforced in supplier and partner contracts.fintech companyAs a bank partner, expect banks to pass on the recommendation's requirements.RBI governor urges banks to speed up AI investment while keeping meaningful human oversightbanking professionalAI decisions need human review wherever an error could significantly harm customers or stability.chief financial officerAI investment plans should include skills development and the cost of controls.AI Act: companies using AI may face heavy fines if they fail to meet obligationsfintech companyRisk classification of AI products and compliance documentation should be prepared in advance because of the fine risk.chief financial officerThe cost of AI Act compliance and the fine risk should be built into the budget.European supervisors: banks must defend against cyber threats from frontier AIbanking professionalReview the IT security plan against AI-based attacks.insurerWith EIOPA involved, insurers also need to assess AI cyber risk.Moody's: AI race risks "systemic dependency" of big banks on tech firmsbanking professionalAssess the concentration of critical AI providers and the exit plans for them.US government investigates whether AI investment boom creates economic riskchief financial officerAI-linked exposures are worth testing in stress-test scenarios.Bermuda, BIS, Slovenia and Poland weigh in on AI rules for financial servicesinsurerThe Slovenian sandbox signals that a regulatory route is opening for controlled testing of insurance AI.SEBI uses AI to monitor social media for fraudretail customerFor investment offers on social media, check that the provider is licensed.SEC AI checks put financial firms' governance under scrutinychief financial officerThe use of AI in advisory and investment processes should be documented.Strict AI rules take effect in HungaryRomania's BNR and ASF to audit bank algorithms under EU AI Actbanking professionalRegional subsidiaries should prepare to document their algorithms and make them auditable.EBA, EIOPA and ESMA call for stronger governance of frontier AI ICT risksbanking professionalAI models and their providers must be brought into the ICT risk-management and third-party risk framework.insurerProcesses that use AI, such as claims handling and pricing, must also be covered in the DORA ICT risk register.fintech companyAI companies serving European financial firms should prepare to pass DORA requirements through in their contracts.Fed officials and analysts weigh financial-stability risks of debt-funded AI investmentbanking professionalLoan portfolios should be reviewed for exposure and concentration linked to AI-infrastructure financing.chief financial officerDeteriorating credit quality and financing conditions among AI players will also affect the firm's own lender and investor exposures.PSD3 and PSR: paying via AI agents raises new authentication questionsfintech companyAgentic payment flows must be designed around PSR-compatible strong customer authentication.banking professionalFor card and account payments, the handling of authority granted on behalf of an AI agent needs to be clarified.EU AI Act delays give financial firms more time, not less responsibilitybanking professionalDocumentation and oversight of AI systems should be built up now.BaFin to supervise AI in the financial sectorbanking professionalInstitutions that also operate in the German market should expect AI supervision questions.Asia-Pacific central banks weigh AI governance frameworks for financial institutions