National organisation of state banking regulators, which coordinates state supervision, licensing standards and examiner training.
Two former regulators argue in a new report that banks are liable when AI chatbots give wrong or loop-trapping answers on loans and mortgages. They want state enforcers to act as the Trump administration retreats from consumer-protection enforcement.
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Fed, OCC and FDIC stepped up oversight of banks' advanced AI on Oct. 13, asking about cyber-defense agents, autonomous systems and kill switches. Crypto Briefing frames the inquiries as information gathering, so exam questions remain an inference.
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Fed supervision chief Michelle Bowman's overhaul makes the Board in Washington accountable for ground-level bank supervision that has sat with the 12 reserve banks. How much say those banks' presidents keep over exams in their districts is the open question.
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State supervisors surveyed 330 community banks and found 60.2% rank deposit outflows and lost lending as stablecoins' most or moderately impactful effects. The banks' main answer so far is a push for uniform rules, while a smaller group prepares products of its own.
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Fed supervision chief Michelle Bowman is scrapping dozens of internal committees and regrouping bank oversight into five regions drawn on state lines. A parallel plan to raise asset thresholds by as much as 50%, on TD Cowen's estimate, will decide more of what banks pay for supervision.
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The Kansas City Fed counts fewer than seven de novo banks a year since 2010 against 185 a year before 2007, and its researchers put most of the fall down to technological change. Applications are rising anyway.
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