US regulators increase scrutiny of AI risks in banking sector

The Fed, OCC and FDIC are probing how banks use advanced AI, with cybersecurity, autonomous agents and kill switches at the top of the list America’s top bank regulators want to know what the robots are doing inside the vault. On October 13, 2026, the Federal Reserve, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) stepped up their oversight of how banks use advanced artificial intelligence models. The focus is cybersecurity, increasingly autonomous systems and whether humans can still pull the plug when something goes sideways.

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