Why AI Governance Frameworks Are Hard to Adopt: A Role-Based Stress Test of the NIST AI RMF
AI governance frameworks can be known, used, and implemented in form without becoming governance in practice. This paper examines that problem through a role-based stress test of the NIST Artificial Intelligence Risk Management Framework (AI RMF) in consumer lending. We treat framework adoption as a governance translation problem: whether RMF language can become role-usable, cross-level, authority-connected governance over the AI system-in-use, rather than producing governance-looking artifacts. The study uses LLM-based role simulation as a structured analytic probe. We apply a 4 $\times$ 2 $\times$ 3 design across four organizational roles, two AI deployments, and three governance hard cases, producing 120 scored responses. Results show that local translation was not the main problem. Simulated actors generally understood their assigned roles and translated the RMF into local activity. The harder problem was whether that activity became governance value. Actor role was strongly associated with Cross-Level Governance Value, Authority Connection, Governance Translatability, and governance value. Deployment was strongly associated with Structural Fit: the RMF fit a bounded ML underwriting model more cleanly than a workflow-embedded LLM underwriting copilot. Risk reduction was harder still. It appeared only when governance value was present and Structural Fit was full, but neither condition was sufficient by itself. The paper contributes a diagnostic account of framework-based AI governance. Frameworks create value when they help organizations see, interpret, escalate, authorize, and correct risk in the AI system-in-use. They also create value when they reveal limits of governability under existing evidence paths, authority structures, and system boundaries.