{"id":47800,"date":"2026-03-24T00:20:37","date_gmt":"2026-03-23T21:20:37","guid":{"rendered":"https:\/\/mk.gen.tr\/trumps-ai-policy-framework-calls-for-single-federal-standard\/"},"modified":"2026-03-24T00:20:37","modified_gmt":"2026-03-23T21:20:37","slug":"trumps-ai-policy-framework-calls-for-single-federal-standard","status":"publish","type":"post","link":"https:\/\/mk.gen.tr\/en\/trumps-ai-policy-framework-calls-for-single-federal-standard\/","title":{"rendered":"Trump\u2019s AI policy framework calls for single federal standard"},"content":{"rendered":"

The Trump administration on Friday issued a \u201ccomprehensive national legislative framework\u201d regarding artificial intelligence<\/a> (AI) policy, aimed at boosting U.S. innovation while protecting consumers, children and national security.<\/p>\n

The proposal<\/a> outlines six broad priorities aimed at positioning the U.S. as a global leader in AI while building public trust in the rapidly evolving technology.<\/p>\n

The priorities outlined in the framework involve, but are not limited to, the use of AI by minors; protecting consumers from bearing the costs of the growing energy demands tied to AI infrastructure; respecting intellectual property while encouraging creativity; and developing an AI-savvy workforce<\/a>.<\/p>\n

A key component of the proposal is the push for a single federal standard, with officials warning that a patchwork of state-level regulations \u201cwould undermine American innovation and our ability to lead in the global AI race.\u201d<\/p>\n

\u201cThe Administration<\/a> looks forward to working with Congress<\/strong> in the coming months to turn this framework into legislation that the President can sign,\u201d the announcement stated.<\/p>\n

Diane Yu<\/a>, CEO of mortgage technology platform Tidalwave<\/a><\/strong>, told HousingWire<\/strong> that a federal standard would accelerate AI adoption in the industry. <\/p>\n

\u201cWe have lenders in all 50 states using our point-of-sale platform today. That means every new state-level AI law is something our compliance<\/a> and engineering teams have to evaluate, interpret and build for, instead of spending that time making the product better for borrowers and loan officers,\u201d Yu said. \u201cA single federal standard would let us invest that energy into the product itself.\u201d<\/p>\n

Yu said she\u2019s had conversations with lending executives who are ready to adopt AI but are stuck in legal review because their counsel can\u2019t give them clear answers for what\u2019s required on a state-by-state basis.<\/p>\n

\u201cLenders already follow one national set of underwriting guidelines through Fannie Mae<\/strong> and Freddie Mac<\/strong>. Adding a second, fragmented layer of AI-specific state rules on top of that doesn\u2019t create clarity. It creates paralysis,\u201d she said, adding that \u201cthe direction [of the framework] is right\u201d and that the mortgage industry is a federally regulated industry<\/a> at its core.<\/p>\n

\u201cLenders already comply with ECOA, Fair Housing Act, TILA, and RESPA<\/a>. The GSEs set underwriting standards nationally through Fannie Mae and Freddie Mac. And the federal guardrails aren\u2019t theoretical. Freddie Mac\u2019s Bulletin 2025-16<\/a>, which went into effect March 3, requires every seller\/servicer to establish a comprehensive governance framework for AI and machine learning systems,\u201d Yu said.<\/p>\n

\u201cThat means continuous monitoring, formal bias testing, alignment with NIST and ISO cybersecurity<\/a> standards, senior management accountability, segregation of duties between AI development and risk oversight, and independent audits. That\u2019s not light touch. That\u2019s rigorous, mortgage-specific AI oversight, and it\u2019s already happening at the federal level.\u201d<\/p>\n

While Yu is positive about the ethos of the framework, she said she wished the framework addressed mortgage-specific AI use cases. <\/p>\n

\u201cOne thing that\u2019s missing from most of the AI policy conversation is the distinction between companies that are actually deploying AI in production and companies that are just talking about it. In mortgage, that gap is wide. We\u2019ve been in production with national lenders for over a year. That\u2019s a different conversation [from] a company showing a demo at a conference,\u201d Yu said.<\/p>\n

\u201cI\u2019d also like to see the framework address something specific to mortgage: the industry already loses roughly $600 per loan on origination costs<\/a>, and closing a loan still takes 43 days on average,\u201d she added. \u201cIf the goal is to protect consumers, faster approvals, lower costs, and fewer errors are [key to] consumer protection. The right regulatory framework should make it easier for lenders to adopt technology that delivers those outcomes, not harder.\u201d<\/p>","protected":false},"excerpt":{"rendered":"

The Trump administration on Friday issued a \u201ccomprehensive national legislative framework\u201d regarding artificial intelligence (AI) policy, aimed at boosting U.S. innovation while protecting consumers, children and national security. The proposal outlines six broad priorities aimed at positioning the U.S. as a global leader in AI while building public trust in the rapidly evolving technology. The…<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts\/47800"}],"collection":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/comments?post=47800"}],"version-history":[{"count":0,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts\/47800\/revisions"}],"wp:attachment":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/media?parent=47800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/categories?post=47800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/tags?post=47800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}