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1、 1 White Paper Potential Uses of AI in Federal Credit Prepared by Ugur Koyluoglu Prepared on Oct.29,2025 2 Table of Contents Table of Contents.2Table of Acronyms.3Abstract.51.Introduction.62.Private sector examples,case studies and fresh ideas on AI incorporation into federal credit programs.102.1.A

2、pplication.182.2.Underwriting and due diligence.202.3.Loan management and monitoring.252.4.Broader program management.293.Generalized Recommendations.303.1.Make AI a priority.303.2.Develop an AI strategy.313.3.Set up key enablers.343.3.a.Governance.343.3.b.Technology and data.363.3.c.Monitoring,Test

3、ing,and Controls.373.3.d.Talent and Organization.383.4.Develop and implement a robust roadmap.383.5.Continue to iterate and monitor AI program.394.Appendix-AI Supremacy.424.1.Definitions and growing impact.424.1.a.Predictive AI.424.1.b.GenAI.434.1.c.Agentic AI.434.2.Rapid adoption and transformative

4、 power.444.3.Emerging trends and how AI is being used generally.484.4.Why now and implications of inaction.494.5.Financial services use cases.504.6.AI limitations and risks.534.7.Regulation.565.About the Author and Contributors.596.Get in Touch.59 3 Table of Acronyms Acronym Definition AI Artificial

5、 Intelligence API Application Programming Interface CCPA California Consumer Privacy Act FSS Factiva Sentiment Signals GDPR General Data Protection Regulation:the EUs data privacy and security law GenAI Generative Artificial Intelligence GPT Generative Pre-trained Transformer(e.g.,ChatGPT)HAI Human-

6、Centered Artificial Intelligence(Stanford HAI AI Index reference)IP Internet Protocol LGD Loss Given Default LLM Large Language Model ML Machine Learning MRM Model Risk Management NLP Natural Language Processing PD Probability of Default RAG Retrieval-Augmented Generation RL Reinforcement Learning S