OCC Guides Bank Examiners to Assess AI Risk Within Existing Categories

The Office of the Comptroller of the Currency (OCC) issued Bulletin 2026-54 Wednesday, Nov. 4, with an examiner framework directing bank examiners to assess artificial intelligence (AI) within existing risk categories and tailor reviews to each system’s use and potential consequences. It covers routine bank activity from credit decisions and payments to fraud detection, customer service, operations, risk management and market activity. The framework uses “super intelligence” (SI) for technologies within the existing statutory definition of AI. It places SI within established supervisory categories rather than treating it as its own category. “Examiners should not treat SI as a separate and distinct risk category,” the OCC said in Bulletin 2026-54. Banks do not need to set a separate risk appetite for SI.

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