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This bill requires five federal financial regulators—the Federal Reserve, FDIC, Office of the Comptroller of the Currency, National Credit Union Administration, and Consumer Financial Protection Bureau—to submit reports to Congress within 90 days on artificial intelligence regulation in the financial services industry. Each report must assess the agency's knowledge gaps regarding AI, analyze how AI is being used in regulated institutions, evaluate current governance and oversight standards, identify potential regulatory authority gaps, flag inter-agency coordination issues, and detail the agency's own AI use plans and resource needs.
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