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- The CFPB Reg B Rollback Didn't Clear Your AI Credit Model
CFPB's Reg B disparate-impact rollback does not clear your AI credit model — Freddie Mac Bulletin 2025-16, Fannie Mae LL-2026-04, state fair lending laws, and the Fair Housing Act all impose binding AI governance obligations that survived the July 21 effective date.
- SR 26-2 Excludes Agents. Examiners Are Testing Them Anyway.
The Fed, OCC, and FDIC are now asking banks about AI agent kill switches in routine exams — but SR 26-2, issued six months ago, explicitly excludes agentic AI from scope. Most banks cannot answer all seven supervisory questions.
- FDA Wants to Credential AI Like a Doctor. The Infrastructure Doesn't Exist.
FDA's competency-based framework for generative AI medical devices closes for public comment on October 19 — but the governance infrastructure to actually run it doesn't exist yet, and most manufacturers haven't mapped their products to the two-axis risk framework.