# Banks find unapproved AI agents in customer accounts and propose a new control framework

> Original title: Banks are finding AI agents inside customer accounts they never approved, @MadisonMills22 reported for @axios.

- Source: X search: indie AI launches (I built, solo founder)
- Published: 2026-10-22T21:40:53.000Z
- Bad Influence: https://badinfluence.news/items/y4g7xsqkbe62spgfvn521q0eo
- Original: https://x.com/puneetmehtanyc/status/2113385124117328042

## Summary

Major U.S. banks are detecting third-party AI agents operating inside customer accounts without approval, Axios reported, with some acting beyond users' instructions. Morgan Stanley has begun blocking outside agents, while JPMorgan, Bank of America and Citi are restricting them. The author argues existing controls built for people cannot tell a customer from software holding the customer's password, and proposes checking each agent action before it runs against identity, authority, policy and proof.

## Post

Banks are finding AI agents inside customer accounts they never approved, @MadisonMills22 reported for @axios.

Banks built controls for people. Agents are walking right through them.

Today we’re making our full framework for governing them public. https://x.com/i/article/2113375908455411712