CSBS Artificial Intelligence Supervisory Framework
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CSBS Artificial Intelligence Supervisory Framework[1]
United States — state financial supervision[1]
Discretionary examiner guidance[2]
CSBS Core Examiner Guide, version 1.0[2]
Published September 16, 2026; use determined by each state agency[1]
Guide approved August 13, 2026; creates no new legal obligations[2]
September 17, 2026 (release and complete Core Examiner Guide)
Overview
The Conference of State Bank Supervisors released its AI supervisory framework on September 16, 2026 for examiners of state-chartered banks and state-licensed nonbank financial institutions. Each state agency decides how to incorporate it into its supervisory work.[1]
Scope and review approach
The Core Examiner Guide describes a proportionate review of AI use, governance, inventories and generative AI. It expressly creates no new legal obligations or supervisory requirements. Its version 1.0 approval date is August 13, 2026; that is distinct from the September public release.[2]
Examiners can request policies, risk assessments, AI inventories, vendor information, data-use terms, testing records and samples of customer-facing outputs. Review should reflect institutional size, complexity, risk and actual AI use. Where systems take actions with limited human direction, the guide asks examiners to examine permitted actions, human checkpoints, logs, reversibility and the ability to halt the system.[2]
Relationship to existing supervision
The guide directs examiners to existing resources for vendor oversight, model risk, consumer protection and operational risk where relevant. Publication is not evidence that every state agency has adopted the framework.[2][1]