The Bank Policy Institute is a nonpartisan research and advocacy group representing the nation’s leading banks.
Washington, DC
Joined December 2009
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In a new @AmerBanker op-ed, BPI’s Greg Baer and Paige Pidano Paridon break down important questions surrounding agentic AI in banking, and why security and liability are key issues to watch. 👇
🗞️ Read the op-ed. americanbanker.com/opinion/u…
In the latest edition of Research Exchange:
➡️ The Retail Costs of Cryptocurrency Trading
➡️ Reassessing the 2000s Housing Cycle After Two Decades of Research
➡️ Do Common Lenders Synchronize Borrowers?
And more. bpi.com/research-exchange-oc…
Research Exchange is a monthly newsletter highlighting both BPI and external research curated by our team of economists.
Sign up here: bpi.com/stayconnected/
Banks work together, across industries and with the U.S. government to safeguard the financial system from cyberattacks.
As AI accelerates cyber threats, that collaboration is more important than ever.
Learn about the key players with our new one-pager. bpi.com/stronger-together-ho…
Bank Policy Institute retweeted
“Agent” has a specific meaning under the law. A true agent owes duties of loyalty, care and confidentiality.
An AI “agent” has none of those obligations.
Our latest explains why that distinction matters. bpi.com/your-ai-agent-doesnt…
In this weekend's edition of BPInsights:
➡️ What recent commentary gets wrong about AI agents and banking.
➡️ Meta faces a lawsuit over fraudulent ads.
➡️ Looking back at anti-fraud actions this year from federal regulators.
And more. bpi.com/bpinsights-october-3…
BPInsights is a weekly newsletter summarizing some of the most important legislative and regulatory developments in banking.
Sign up here. 👇 bpi.com/sign-up/
Happy Halloween! 🎃
Keep your candy reserves strong, your risk management sound and your costumes spooky. 👻🍬
Fraud and scams are a national emergency, costing Americans billions each year.
Policymakers are increasingly targeting the problem at its source by holding telecom and social media companies accountable for scams spreading on their networks. Learn more. bpi.com/to-stop-scams-at-the…
Stablecoins may have something scary lurking beneath the surface. 🎃
What happens if an issuer fails?
From destabilizing runs to uncertain redemption rights and an untested resolution process, we identified four fault lines policymakers shouldn't overlook. bpi.com/built-on-fault-lines…
“Agent” has a specific meaning under the law. A true agent owes duties of loyalty, care and confidentiality.
An AI “agent” has none of those obligations.
Our latest explains why that distinction matters. bpi.com/your-ai-agent-doesnt…
Bank Policy Institute retweeted
The liquidity coverage ratio only recognizes stored liquidity — liquid assets like Treasuries or cash held as high-quality liquid assets.
But including liquidity available for purchase from the central bank in the LCR would mitigate distortions in the ratio and therefore improve financial stability and credit availability to the economy, according to our new analysis. bpi.com/liquidity-regulation…
Who’s responsible when an AI agent makes a mistake with your money?
We asked Muse. Its answer illustrates one of the key questions banks are confronting as AI agents begin acting on customers’ behalf.
Greg Baer and Paige Pidano Paridon explain in @AmerBanker: americanbanker.com/opinion/u…
This lawsuit puts a spotlight on a problem affecting Americans nationwide: scam ads reaching people through social media.
BPI is calling for stronger advertiser verification and faster takedowns of fraudulent ads.
Learn more at usagainstfraud.com/#PolicySo…
Rhode Island sues Meta over alleged tolerance for scam advertising reut.rs/4iAL89N reut.rs/4iAL89N
ICYMI in BPInsights:
➡️ Yield concerns in the OCC’s new stablecoin rule.
➡️ The latest on AI agents from the OCC’s Jonathan Gould.
➡️ How do liquidity requirements account for discount window borrowing capacity?
And more. bpi.com/bpinsights-october-2…
The liquidity coverage ratio only recognizes stored liquidity — liquid assets like Treasuries or cash held as high-quality liquid assets.
But including liquidity available for purchase from the central bank in the LCR would mitigate distortions in the ratio and therefore improve financial stability and credit availability to the economy, according to our new analysis. bpi.com/liquidity-regulation…
RELEASE: OCC GENIUS Act Rule Leaves Room for Ambiguity on Yield
bpi.com/occ-genius-act-rule-…
