OCC sets framework for banks' super intelligence use
Key points
- The US Office of the Comptroller of the Currency (OCC) issued a supervisory framework covering banks' use of Super Intelligence (SI).
- The guidance helps bank examiners assess AI systems, agentic AI applications and their associated risks.
- The framework introduces no new regulatory requirements, instead directing examiners towards risk-based and case-specific assessments.
The US Office of the Comptroller of the Currency (OCC) has issued new guidance covering banks' use of Super Intelligence.
The framework helps examiners assess artificial intelligence systems used in banking operations and customer services.
The guidance does not establish new regulatory expectations or enforceable standards for banks.
Examiners must tailor assessments according to each technology's materiality and potential consequences.
The framework considers an AI agent's autonomy, human oversight and potential impact when evaluating associated risks.
Banks can integrate these assessments into existing governance, technology, compliance and operational risk management practices.
The OCC also instructed examiners to consider banks' size, complexity and risk profiles when reviewing technology deployments.
The framework establishes a risk-based supervisory approach without imposing separate AI risk requirements on banks.
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