What changed
The US Office of the Comptroller of the Currency published a supervisory resource for examining banks' use of systems it calls super intelligence. It tells examiners to focus on the materiality and risk of the use case rather than model sophistication or marketing labels.
Why it matters
For regulated banks, autonomy, transaction authority, customer impact and control evidence now matter more than whether a vendor calls a model frontier or super-intelligent.
What to do
Map each bank AI use case by decision authority, data, downstream effect, materiality, monitoring and human override. Prepare evidence against existing risk controls instead of treating the label as a separate compliance category.
Caveat
The OCC says the framework does not establish supervisory expectations or enforceable standards. It is an examiner resource, and its practical application will depend on use case, materiality and future examination evidence.