{
  "id": 5886,
  "url": "https://arxiv.org/abs/2605.04076v1",
  "title": "A Regulatory Governance Framework for AI-Driven Financial Fraud Detection in U.S. Banking: Integrating OCC, SR 11-7, CFPB, and FinCEN Compliance Requirements for Model Development, Validation, and Monitoring Lifecycles",
  "summary": "U.S. financial institutions deploying AI-based fraud detection face a fragmented compliance landscape spanning four regulatory frameworks -- OCC Bulletin 2011-12, SR 11-7, the CFPB AI circular, and FinCEN BSA/SAR requirements -- with no integrated governance life cycle connecting these requirements to model development, validation, and monitoring practice. This paper presents the Regulatory Governance Framework for AI-Driven Financial Fraud Detection (RGF-AFFD), a three-tier governance architect",
  "authors": "Mohammad Nasir Uddin",
  "category": "research",
  "topics": "regulation,finance-investment",
  "orgs": null,
  "regions": null,
  "published_at": "2026-04-14T08:30:04.000Z",
  "fetched_at": "2026-07-14T16:32:06.466Z",
  "source_slug": "arxiv-ethics",
  "source_name": "arXiv",
  "source_homepage": "https://arxiv.org",
  "ethics_ai_record_url": "https://ethics.ai/record/5886",
  "original_url": "https://arxiv.org/abs/2605.04076v1",
  "evidence_status": "source-only",
  "attribution": "via ethics.ai"
}