The financial industry has largely welcomed moves like the removal of a previously proposed increase for a broad multiplier but questioned mortgage details.

As AI adoption accelerates, lenders face growing pressure to demonstrate tangible business value while managing compliance and reputational risk. This session focuses on how organizations are evaluating the ROI of AI investments, from cycle-time reduction and cost per loan to error rates, staffing efficiency, and borrower satisfaction. Panelists will share how they benchmark success, align AI initiatives with strategic goals, and assess vendor claims versus real-world outcomes. Attendees will walk away with a clearer framework for measuring performance, managing risk, and justifying continued AI investment.

AI-driven decisioning tools are transforming credit assessment, income and asset analysis, collateral review, and risk identification. Speakers will dive into how machine learning models are augmenting—not replacing—human judgment, enabling faster decisions while reducing defects and repurchase risk. The discussion will address data integrity, explainability, and regulatory expectations, as well as how lenders are validating model outputs and building trust internally and with investors.

Many lenders have experimented with AI, but fewer have successfully scaled it across core operations. This session examines how organizations are moving beyond proofs of concept to embed AI into underwriting, processing, quality control, and servicing workflows. Panelists will discuss change management, model governance, data readiness, and integration with LOS and core systems. Attendees will learn what it takes to operationalize AI responsibly, where implementations commonly stall, and how leading lenders are aligning people, process, and technology to drive sustained impact.

The Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. encouraged banks to heed Fincen guidance expanding the PATRIOT Act's safe harbor for voluntary information sharing between banks to combat fraud.