Sources & references

Where our claims come from.

Everything the Institute cites — regulations, standards, government reports, and every statistic on the site — lives here with a link to the original source. Where our copy mentions a specific framework or figure, it links back to this page instead of restating the citation.

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Regulatory alignment

Supervisory & regulatory frameworks

The published guidance the curriculum maps to. These are public references for bank and credit-union review — the Institute is not a regulator and does not certify compliance.

SR 11-7
Supervisory Letter 11-7 — Guidance on Model Risk Management
Federal Reserve & OCC
View source ↗
Interagency TPRM Guidance
Interagency Guidance on Third-Party Relationships: Risk Management (88 FR 37920)
OCC, Federal Reserve, FDIC
View source ↗
ECOA / Regulation B
Equal Credit Opportunity Act and its implementing regulation
CFPB
View source ↗
AIEOG AI Lexicon
AI Executive Oversight Group — AI Lexicon
Treasury / FBIIC / FSSCC
View source ↗

Standards & reports

Standards, frameworks & government reports

Additional sources cited in the Institute's educational articles, templates, and security guidance.

NIST AI RMF 1.0
AI Risk Management Framework (AI RMF 1.0, NIST AI 100-1)
National Institute of Standards and Technology — The Govern / Map / Measure / Manage structure behind the Institute's governance templates.
View source ↗
OWASP LLM Top 10
OWASP Top 10 for Large Language Model Applications
OWASP GenAI Security Project — The named LLM risk categories (prompt injection, data leakage) used in the security and data-handling guidance.
View source ↗
GAO-25-107197
Artificial Intelligence: Use and Oversight in Financial Services (May 2025)
U.S. Government Accountability Office — The basis for the statement that there is no comprehensive AI-specific banking regulation yet.
View source ↗
GLBA Safeguards Rule
Gramm-Leach-Bliley Act, Safeguards Rule (16 CFR Part 314) and Regulation P
FTC / CFPB — The information-security and privacy baseline referenced in data-handling and policy templates.
View source ↗
FinCEN BSA / AML
Bank Secrecy Act / Anti-Money Laundering program and SAR requirements
Financial Crimes Enforcement Network — The reporting-threshold and SAR context used in the AI failure-mode examples.
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CDFI Fund
Community Development Financial Institutions Fund
U.S. Department of the Treasury — Context for mission-driven community lenders referenced in institution materials.
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Data

Statistics & research

Every figure shown on the public site, with its publication, publisher, and year. Some industry research is licensed and links to the publisher rather than a free document.

66% — of community banks are discussing AI in their budget
2024 Technology Survey
Bank Director (via Jack Henry & Associates), 2025
Proprietary / licensed source — citation provided above.
57% — of financial institutions struggle with AI skill gaps
Gartner Peer Community
Gartner (via Jack Henry & Associates), 2025
Proprietary / licensed source — citation provided above.
55% — of financial institutions have no AI governance framework yet
Gartner Peer Community
Gartner (via Jack Henry & Associates), 2025
Proprietary / licensed source — citation provided above.
48% — of financial institutions lack clarity on AI business impacts
Gartner Peer Community
Gartner (via Jack Henry & Associates), 2025
Proprietary / licensed source — citation provided above.
~65% — is the community-bank median efficiency ratio (vs. ~55.7% industry-wide)
Quarterly Banking Profile, Q4 2024
FDIC, 2024
View source ↗
84% — would switch financial institutions for AI-driven financial insights
Personetics 2025 study
Personetics (via Apiture), 2025
Proprietary / licensed source — citation provided above.
62% — are open to AI-powered fee alerts
2025 consumer survey
Personetics (via Apiture), 2025
Proprietary / licensed source — citation provided above.
76% — would switch financial institutions for a better digital experience
consumer banking study
The Motley Fool (via Apiture), 2024
Proprietary / licensed source — citation provided above.
~8,400 — FDIC-insured community banks and credit unions in the United States
BankFind Suite
FDIC, 2024
View source ↗

How to read this

Public references, not a compliance opinion.

Citations were last reviewed on June 25, 2026. Regulations and guidance change; always confirm the current text with the issuing agency. The Institute aligns its curriculum to these sources as a teaching aid — it does not provide legal, regulatory, or compliance advice, and nothing here certifies your institution.

The AI Banking Institute

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