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ABA: The American Bankers Association
Industry Insight

The A.I. Framework: A Layered Mosaic for Community Banks

  • Brought to you by Artificial Intelligence Risk
  • Published January 5, 2026

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The AI Framework for Community Banks provides a disciplined, institution-level model for governing and scaling artificial intelligence inside a regulated banking environment. It treats AI as an operating discipline rather than a collection of tools. The Framework defines four maturity phases that help banks identify where they operate today and what structural conditions must exist before advancing safely. A Board-level scorecard translates ambition into oversight by measuring readiness across governance, data discipline, workflow integrity, and control consistency. The Framework is practical, examinable, and executable. It gives Boards, executives, and regulators a shared structure to ensure AI strengthens judgment, preserves trust, and scales only when institutional discipline is firmly in place.
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