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The AI Act of 2024 requires five federal financial regulators—the Federal Reserve, FDIC, Comptroller of the Currency, Consumer Financial Protection Bureau, and National Credit Union Administration—to conduct studies within 180 days examining the benefits and risks of artificial intelligence in banking, securities, housing finance, and national security. Each study must include regulatory proposals and legislative recommendations to facilitate responsible AI adoption, and agencies must solicit public input before finalizing their reports.
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