FDIC OIG Identifies 8 Top Management Challenges for 2026: What Banks and Equipment Finance Companies Need to Know

By RJ Grimshaw · March 31, 2026

The FDIC Office of Inspector General released its annual Top Management Challenges report for 2026. AI governance, cybersecurity, and third-party risk management are among the eight identified challenges with direct implications for equipment finance companies and their banking partners.

AI Governance as a Supervisory Priority

The OIG explicitly identifies AI governance as a top management challenge for the first time. Banks and equipment finance companies using AI in credit decisioning, fraud detection, or customer communications should expect increased supervisory scrutiny.

Third-Party Risk

Equipment finance companies that rely on third-party AI platforms for underwriting or servicing are exposed to third-party risk management requirements. The OIG report signals that regulators will look through to the underlying AI systems, not just the vendor relationship.

Learn how we build governance-first AI systems for equipment finance or schedule a risk assessment.