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AIR is a global nonprofit, non-membership organization dedicated to ensuring that the digital transformation of finance is matched by digital transformation of financial regulation, equipping regulators to meet their mandate to make the financial sector resilient, inclusive and fair.

Financial regulation should be a potent force for good. It should operate as an invisible force in people’s lives, ensuring that consumers are shielded from discrimination and abuse, that small businesses can access capital, that criminals cannot use the banking system to hide illicit activity, and that financial catastrophes are averted. AIR educates, connects, and supports the regulatory ecosystem to help realize these goals.

The Latest


BLOG • Recapping MDI Innovate: A Purposeful Journey into Digitization

Finding solutions to help minority depository institutions (MDIs) thrive was the central theme of AIR’s high-powered conference, “MDI Innovate: A Purposeful Journey into Digitization,” which took place May 2nd in Washington, D.C.

WHITE PAPER • AI: Transforming the Future or Triggering Fear?

Authored by AIR Senior Advisor and former global regulator F. Christopher Calabia, this paper examines the transformative potential and risks associated with the deployment of generative artificial intelligence (GenAI) in the financial services sector.

VIDEO • MDI Innovate: A Purposeful Journey into Digitization Recap

MDI Innovate: A Purposeful Journey into Digitization is AIR’s third convening focused on Minority Depository Institutions (MDIs). This event on May 2, 2024 in Washington, D.C. aimed at addressing the critical issue of digital modernization faced by MDIs.

INITIATIVE • AIR Initiative to Create Digital Transformation Road Map for MDIs

The MDI ConnectTech initiative helps participating Minority Depository Institutions assess their technology capability, identify digital offerings to benefit their customers, and establish a road map to implement third-party digital solutions.

INITIATIVE • NextGenAI Explores the Future of Financial Oversight and Consumer Protection

NextGenAI is a multi-faceted initiative that delves into the potential impact of Generative AI (GenAI) on financial services and financial regulation through a series of thought-provoking and engaging activities.

NEWS • AIR Joins Consumers International and Global Alliance Calling for Change

AIR, Consumers International and a global alliance of consumer, government and industry voices call for urgent action to improve consumer understanding and trust in digital financial services.

VIDEO • NextGenAI: The Future of Financial Oversight and Protection

Through the NextGenAI initiative, AIR aims to investigate the potential of GenAI to foster efficient and effective consumer protection, enable enhanced regulatory compliance within financial institutions, and support cost-efficient, timely and more effective regulatory supervision.

WHITE PAPER • Regtech Manifesto: Redesigning Financial Regulation for the Digital Age

In 2020, the Alliance for Innovative Regulation published this road map for a gradual but urgent conversion of the financial regulatory framework to a digitally native design. One former U.S. agency head called it “the bible for every regulator.”

Digital Identity

ARTICLE • Advancing Digital Identity: Building Essential Infrastructure

In March 2024, AIR partnered with the Aspen Institute to convene two roundtables with a cross-section of digital identity experts. This brief summarizes the dialogue and next steps, and extends an invitation to engage with this work.

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