IV 
119TH CONGRESS 
2D SESSION 
H. RES. 1007 
Expressing the sense of the House of Representatives with respect to the 
use of artificial intelligence in the financial services and housing industries. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 16, 2026 
Mr. STEIL (for himself and Mr. LYNCH) submitted the following resolution; 
which was referred to the Committee on Financial Services 
RESOLUTION 
Expressing the sense of the House of Representatives with 
respect to the use of artificial intelligence in the financial 
services and housing industries. 
Whereas generative artificial intelligence (‘‘AI’’) has the po-
tential to provide significant opportunities as well as risks 
across the financial services and housing industries; 
Whereas AI is playing a significant role in the financial serv-
ices and housing industries and continues to be adopted 
in various forms; 
Whereas regulatory agencies should expand knowledge of gov-
ernance and regulatory best practices with respect to AI; 
Whereas the United States capital markets market partici-
pants are leveraging AI to enhance research capabilities, 
market surveillance, and trading and execution; 
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•HRES 1007 IH 
Whereas the United States housing market participants are 
using AI to enhance underwriting, mortgage servicing, 
and tenant screening; 
Whereas United States financial institutions are exploring the 
use of AI to enhance customer service capabilities, ex-
pand the pool of loan applicants, increase repayment 
rates, and decrease fraudulent payments; 
Whereas United States financial firms are leveraging AI to 
streamline compliance with the Bank Secrecy Act and 
sanctions laws as well as enhance cybersecurity oper-
ations from evolving threats; 
Whereas the use of generative AI is enhancing both employee 
productivity and consumer experiences across the finan-
cial services and housing industries; 
Whereas regulators should understand any financial stability 
risks related to financial institutions’ growing use of AI, 
including whether such use increases herding behavior; 
Whereas AI can be exploited by malicious actors; 
Whereas the use of AI in automated decision-making does 
not relieve financial institutions from their obligations 
under anti-discrimination laws, and may lead to 
explainability challenges due to the complexity and opac-
ity of certain AI models; 
Whereas small community financial institutions, such as rural 
depository institutions, minority depository institutions, 
and community development financial institutions may 
lack the resources to develop, train, and deploy AI models 
compared to larger institutions; 
Whereas financial institutions’ use of AI may increase their 
direct and indirect reliance on third-party services; and 
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Whereas AI has the potential of unlocking valuable new use 
cases for financial services and housing under risk-based 
guardrails: Now, therefore, be it 
Resolved, That it is the sense of the House of Rep-
resentatives that— 
(1) given the critical role of the financial and 
housing markets, the Committee on Financial Serv-
ices of the House of Representatives should play a 
leading role in making public policy regarding the 
adoption of AI in the financial services and housing 
industries; 
(2) the Committee on Financial Services should 
consider how to promote a dynamic, pro-consumer, 
pro-investor, and pro-innovation culture for AI 
across the financial services and housing industries; 
(3) the Committee on Financial Services must 
ensure regulators apply and enforce existing laws, 
including anti-discrimination laws, and assess regu-
latory gaps and ineffective regulations as market 
participants adopt AI; 
(4) the Committee on Financial Services should 
support regulators assessing the impact on innova-
tion and cost effectiveness before issuing AI-related 
rules; 
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