Regulatory Roadmap: Where This Is Headed
- James W.
- 3 days ago
- 1 min read
2023: ECB publishes AI guidance for credit risk.
2024: FCA develops AI governance frameworks. OCC issues supervisory expectations.
2025: EU AI Act coming. Regulatory pressure intensifying.
The pattern is clear: regulators are moving toward AI-specific credit risk governance requirements.
But the guidance is currently generic. Banks struggling with interpretation and implementation.
ACRGA anticipates this regulatory evolution by encoding five specific gaps into practical governance modules.
Banks implementing ACRGA now can tell regulators: "We've been operating under this framework for 18 months. Here's our documented governance."
Banks without ACRGA-like frameworks will be scrambling to retrofit governance under enforcement pressure.
First-mover advantage is real.
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