ABSTRACT. We consider anti-unification for simply typed lambda terms in associative, commutative, and associative-commutative theories and develop a sound and complete algorithm which takes two lambda terms and computes their generalizations in the form of higher-order patterns. The problem is finitary: the minimal complete set of generalizations contains finitely many elements. We define the notion of optimal solution and investigate special fragments of the problem for which the optimal solution can be computed in linear or polynomial time.