That is the key question that lenders of all shapes and sizes will be struggling with for years to come as they seek to utilize the paradigm shifting use of artificial intelligence within a framework of laws developed when AI was the stuff of fantasy gleaned from the latest episode of Star Trek. As things stand now, this resulting disconnect between technology and the law raises substantial compliance and legal risks that, if left unaddressed, pose challenges for even the biggest of credit unions and will inevitably exacerbate the increasing divide between large and small lenders within the credit union industry.