Morgan here.

This is the Bank Regulatory Pulse Intelligence Brief for Thursday, March 26, 2026.

Here's what you need to know today.

The Basel Committee just released new artificial intelligence data governance guidance — 43 pages of examination priorities that define what regulators expect from your institution over the next 12 to 24 months.

Simultaneously, the Federal Reserve's Director of Supervision testified that AI governance, explainability, and bias controls are confirmed examination focus areas.

These two documents, read together, tell you exactly where examiners are looking.

And if your bank doesn't have documented AI data governance frameworks covering data provenance, bias testing, and third-party AI provider risk management, you're carrying elevated examination risk right now.

The Basel Committee identified three specific examiner priority areas.

Data privacy vulnerabilities in artificial intelligence systems.

Data quality issues that compromise model reliability.

And concentration risk from third-party AI service providers.

This represents cross-jurisdictional consensus from central banks worldwide.

The OCC, Federal Reserve, and FDIC will derive their domestic examination expectations from this baseline within the next year or so.

The window to close gaps in your AI governance documentation is this year — not next year.

On the geopolitical side, Iran's five-day strike pause on energy infrastructure expires in 48 hours with no extension announced.

More significantly, Tehran has formally rejected the Trump administration's 15-point peace plan and declared its conditions non-negotiable.

The diplomatic window that briefly opened has closed.

But here's what matters operationally for your institution: Iran is now asserting control over vessel transit approvals through the Strait of Hormuz and demanding detailed crew, cargo, and voyage information from commercial ships.

That converts a geopolitical risk into a direct operational variable.

If you manage letters of credit, vessel financing, commodity trade finance, or have energy exposure in Asia-Pacific, you need to stress-test your risk models against the 85 to 100 dollar oil corridor.

Not as a point estimate.

As a planning scenario.

The Strait of Hormuz disruption is now active policy, not a theoretical threat.

One more item.

The Financial Stability Board released guidance on nonbank financial intermediary liquidity preparedness.

This responds directly to the Archegos collapse and 2022 UK liability-driven investment stress.

Your institution is the primary counterparty to hedge funds, pension funds, and investment funds through derivatives clearing and repo.

If your counterparties lack adequate liquidity buffers, you face cascading margin call and collateral deterioration risk.

The near-term priority is gap analysis against the FSB's eight policy recommendations.

Domestic regulatory guidance updates are expected in 2027.

For the full analysis, check your Bank Regulatory Pulse daily briefing in your inbox, or catch the weekly digest every Sunday.

I'm Morgan.

This has been the Bank Regulatory Pulse Intelligence Brief.

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