Recommendations for Policymakers: Mitigating AI-Powered Attacks Against Identity and Authentication

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March 6, 2026
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BETTER IDENTITY COALITION
This paper is intended for policymakers at agencies — both regulatory and non-regulatory — and in legislative bodies who play a role in safeguarding the financial services sector and other critical infrastructure sectors from the risks posed by Gen AI.

The purpose of this paper is to highlight the role that policymakers can play in helping financial institutions (FIs) defend against current and emerging attacks powered by the malicious use of Generative Artificial Intelligence (Gen AI) that target FI identity and authentication systems. This paper outlines 20 distinct actions for policymakers – spread across four key initiatives – that would collectively help FIs defend against current and emerging attacks powered by Generative Artificial Intelligence (Gen AI) that target FI identity and authentication systems.

This paper is a deliverable of the Financial Services Sector Coordinating Council’s Artificial Intelligence and Identity and Authentication Workstream (AI-IA), which was co-chaired by the American Bankers Association and Better Identity Coalition.

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