OCC tells bank examiners to rank AI agents by what a failure costs, not how smart they are
The OCC's new examiner framework, Bulletin 2026-54, classifies a bank's AI use by consequence, transfer of agency and human oversight, so a plain agent that can move money draws more scrutiny than a clever one that drafts memos. If agents touch an IBM i core that posts payments or ledger entries, tier each use by what a bad write would cost and keep the commit with a named person, recorded on the system of record.
Built In.
The best of the log, every two weeks. One idea, one proof, one next step.
Built In.
The best of the log, every two weeks. One idea, one proof, one next step.
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