AI Governance Resources for Banks and Credit Unions
What You Will Find Here
Banks and credit unions are using AI across more of their operations every year. Loan underwriting. Fraud detection. Customer service. Compliance monitoring. Vendor-provided tools embedded in workflows that staff adopted without a formal review process.
The questions that follow are practical ones. Who approved this tool? What data is it using? Can we explain the decisions it produces? What happens when something goes wrong?
This resource series covers the regulatory context, risk categories, and governance frameworks most relevant to financial institutions navigating these questions. Every page is written in plain language for banking and credit union leaders, not for data scientists or compliance attorneys.
The pages in this series are informational. They describe publicly available laws, guidance, and frameworks. They do not constitute legal advice or regulatory interpretation.
Start Here
If you are new to AI governance frameworks, start with the NIST AI RMF overview. Every other page in this series connects back to it.
Browse by Topic
-
Texas HB 149 and AI Governance for Banks and Credit Unions
What Texas's AI governance law means for financial institutions operating in the state and why it matters now.
-
Shadow AI in Banking: The Visibility Problem
What shadow AI is, why it is growing inside financial institutions, and what visibility looks like as a governance starting point.
-
Third Party AI Risk in Banking: What Financial Institutions Need to Know
What federal interagency guidance says about third party accountability, and what governance questions may apply.
-
Fair Lending and AI Explainability: What Banks Need to Understand
What CFPB guidance on adverse action notices could mean for institutions using AI in credit decisions.
This page is for informational purposes only. It provides a general factual overview of publicly available government resources and frameworks. It does not constitute legal advice, regulatory interpretation, compliance guidance, or a recommendation of any specific course of action. Laws and guidance referenced here may be subject to change. Qualified legal and compliance professionals can help organizations assess their specific circumstances and obligations.