The National Credit Union Administration (NCUA) updated its AI Resources Center, outlining what it considers the most important focus areas for credit unions adopting artificial intelligence. Guidance emphasizes explainability, model monitoring, data quality, and vendor oversight — not building models internally.
The regulator stresses that most credit unions will rely on third-party solutions, and therefore should understand how those tools make decisions, how they handle member data, and how results are monitored for fairness.
While not formal regulation, the content signals the agency’s intent to ensure AI is implemented responsibly across the industry. The NCUA encourages boards and leadership teams to stay informed and develop lightweight governance frameworks.