AI is rapidly moving from theory to daily practice in financial services, powering decisions in credit, fraud detection, and customer engagement. Regulators are already signaling that opacity, bias, and data misuse in these systems will not be tolerated. This session will cut through the hype and explain what governance really means for lenders, servicers, and fintechs: reducing enforcement risk, protecting reputation, and building defensible AI programs that regulators can trust. Moderator: Mark D. Metrey, Associate, Hudson Cook, LLP, Washington, DC Panelists: Meg Nicholls, Partner, Hudson Cook, LLP, Fort Worth, TX John Sun, Co-Founder, Spring Labs, Los Angeles, CA Rich Cabrera, Senior Solutions Architect, Elastic, Baltimore, MD