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Closing the Promise Gap: How Encore Supports the OCC Supervisory Framework for AI in Banking

In November 2026, the Office of the Comptroller of the Currency (OCC) released a new framework that tells examiners how to review the way banks use AI. This white paper explains what examiners will look for, the risks that come with AI answering customers directly, and how Inbenta’s Encore platform helps banks meet the framework’s expectations.
The OCC framework does not ask banks to slow down. It asks them to know what their AI is doing, prove it works, and stay accountable for the results.
From the white paper
Closing the Promise Gap
WHAT’S INSIDE

Answer the hardest OCC questions before an examiner asks them

What the framework asks
Sixteen components across six pillars, from Purpose and Risk to Resilience and Assurance, plus an illustrative four-tier risk model.
Where customer-facing AI is exposed
Hallucinations, non-determinism, no verified source, and traceability: the four concerns that appear again and again in the framework.
How Encore maps to the framework
Approved content, human review before go-live, and answers traceable to their source, mapped component by component.
What stays with the bank
Accountability stays with the bank. Includes the questions every bank should ask any AI vendor, including Inbenta.
Inbenta
Download the white paper: Closing the Promise Gap: How Encore Supports the OCC Supervisory Framework for AI in Banking
  • Free PDF download
  • 16 OCC components, explained
  • 7 questions to ask AI vendors
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This paper summarizes the OCC Supervisory Framework on Bank Use of Super Intelligence (November 2026). It is for general information and is not legal or regulatory advice.
VENDOR REVIEW

Put Encore through your vendor review

We’ve answered the white paper’s seven vendor questions in writing, ready for your third-party risk file. Book 30 minutes and we’ll walk your risk and IT leads through them.