FDIC assesses the impact of agentic AI on deposits
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AI-assisted source synthesis · not an independent investigation.
On October 21, 2026, Banking Dive reported that FDIC Chairman Travis Hill said that AI agents moving deposits on behalf of customers, and the resulting impact on banks’ deposit businesses, are becoming concerns for regulators and banks. Hill also said that existing model risk management guidance does not apply to rapidly evolving generative AI and agentic AI. The FDIC is considering seeking public input to develop an approach to supervision in this area. The report did not mention any specific regulatory plan or the timing for launching a request for public input.
AI-written from reports · updated 3 hours ago
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- Banking DiveFDIC Chairman Travis Hill assesses the impact of agentic AI on banks’ deposit business
FDIC Chairman Travis Hill said that AI agents moving deposits on behalf of customers and their impact on banks’ deposit business are becoming issues of concern for regulators and banks. Hill said existing model risk management guidance does not apply to rapidly evolving generative AI and agentic AI, and that FDIC is considering seeking public comment to develop a supervisory approach.
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