A bill to require the Office of Financial Research to compel data relating to the financing of artificial intelligence development, provide that data to Congress, and issue recommendations to financial regulatory agencies and Congress to mitigate financial stability risk, and for other purposes.
About This Bill
Committee
Latest Action · June 10, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
The AI Bubble Transparency Act requires the Office of Financial Research to order all major financial companies to report their exposure to debt and equity investments in artificial intelligence companies, including chip makers, data centers, and AI developers. Financial institutions must disclose details about their AI-related investments such as loan amounts, interest rates, collateral, and company financial information, though smaller banks with less than $10 billion in assets can be exempted. Within one year of the bill's enactment, federal financial regulators must issue a public report analyzing the size and interconnectedness of the financial system's AI sector exposure and whether a significant decline in AI valuations could threaten overall financial stability. The Financial Stability Oversight Council will also provide recommendations to regulatory agencies and Congress on how to reduce financial risks related to AI financing. The unredacted data collected from financial institutions will be submitted to Congress's banking and financial services committees within the same one-year timeframe.
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