Financial regulators face mounting pressure to establish rigorous stress-testing protocols for artificial intelligence risks. Lawmakers across the sector argue that a passive monitoring stance could expose both financial institutions and the broader economy to substantial harm. The debate centers on whether current regulatory frameworks adequately address AI-driven vulnerabilities in trading systems, data management, and market infrastructure. Industry experts warn that without proactive risk assessment mechanisms, financial stability itself may become vulnerable to unforeseen disruptions triggered by algorithmic failures or systemic AI breakdowns.