§ Model Risk Tiering Calculator·client-side form · no sign-up

Where does this AI model land under SR 26-2?

Answer five questions and get a materiality-based read: whether the system is a model in scope of SR 26-2 at all, and if so, a structured Tier 1, Tier 2, or Tier 3 with the validation and monitoring that follow. Built by senior practitioners around SR 26-2's risk-based approach.

This is a structured heuristic to organize a tiering conversation, not a model validation and not a verdict. Your institution owns the judgment.

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§ Read this first

This calculator is a structured starting point for a materiality-based tiering conversation under SR 26-2's risk-based approach. SR 26-2 is principles-based and non-binding; the tiering judgment is your institution's. This is not a model validation, not legal or regulatory advice, and not a certification. DSE prepares programs for audit and does not certify or guarantee any examination outcome. No data leaves the browser.

§ The form·five questions, then a read
Q1What kind of model is it?

SR 26-2 narrowed the model definition to complex quantitative methods, and it excludes generative and agentic AI from model-risk scope. This answer decides whether the rest applies.

Q2What does it do?

The business function drives both materiality and which other frameworks attach (fair lending, FFIEC independent testing).

Q3What is the materiality or exposure?

A rough read on financial, customer, and reputational exposure if the model is wrong.

Q4How autonomous is the decision?

A fully automated decision carries more risk than an advisory output a person reviews.

Q5How sensitive is the data?

Consumer nonpublic personal information and credit data raise the stakes on accuracy, fairness, and privacy.

Answer all five questions to compute a tier.
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Result: ·

Why this read

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What this calls for

§ Frameworks that apply·organize the program around these
    § What to produce

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    § The fine print

    This calculator is a structured starting point for a materiality-based tiering conversation under SR 26-2's risk-based approach. SR 26-2 is principles-based and non-binding; the tiering judgment is your institution's. This is not a model validation, not legal or regulatory advice, and not a certification. DSE prepares programs for audit and does not certify or guarantee any examination outcome.

    No data leaves the browser. The named tiers are a structured heuristic, not codified SR 26-2 tier definitions.

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    Last reviewed: 2026-06-27 · Initial release. Tied to SR 26-2, the April 2026 interagency model-risk guidance that replaced SR 11-7 and the SR 21-8 BSA/AML statement. The tiers are a structured heuristic, not codified SR 26-2 definitions, and are re-checked quarterly. Accuracy is the point.

    § When you need it validated·fixed-fee, senior-only

    Turn a tiering read into a defensible governance program.

    A calculator orients you. When a tier carries real obligations, a principal pressure-tests the tiering, maps controls to SR 26-2 and the frameworks around it, and scopes the readiness work in a 30-minute call.

    AI Governance Readiness → AI Security Assessment →
    § What this is·and what it isn't

    A tiering starting point. Not a validation.

    This calculator is a structured heuristic for organizing a materiality-based tiering conversation under SR 26-2's risk-based, principles-based approach. It does not perform a model validation, does not provide legal or regulatory advice, and does not certify SR 26-2 compliance. The named tiers are our own structured device, not codified SR 26-2 tier definitions.

    DSE provides AI governance and compliance readiness consulting. We are not an accredited certification body and do not issue ISO/IEC 42001 certificates or certify EU AI Act or NIST AI RMF compliance. We cannot guarantee passing an audit or avoiding enforcement, and we do not provide legal advice. We work alongside your counsel.