Florida's 2026 legislative session saw an ambitious push to regulate artificial intelligence, with bills targeting companion chatbots, insurance automation, autonomous vehicles, facial recognition, and AI in education. While most proposals died in committee before the session ended, the volume of introduced legislation signals that Florida is preparing a regulatory framework for AI. The state is currently tracking 30 AI-related bills; this guide covers the key proposals and the one enacted law businesses should know about.
Current Data
Currently tracking 30 bills in Florida. 3 enacted, 0 in committee. Data updates automatically.
Companion AI Chatbot Rules: SB 1344 (Enacted, Effective July 1, 2025)
Senate Bill 1344 is Florida's most significant enacted AI law. It requires operators of companion AI chatbot platforms to implement user account creation and age verification before granting access. If a user is identified as a minor, operators must take specific protective actions. Operators must also protect the confidentiality of age verification information. Violations are classified as deceptive and unfair trade practices under Florida law, carrying significant enforcement risk.
Key Requirements
- Users must create an account to access companion AI chatbots
- Age verification is mandatory for all users
- Operators must take protective actions when a minor is identified
- Confidentiality of age verification data must be maintained
- Non-compliance constitutes a deceptive and unfair trade practice
Comprehensive AI Regulation: H1395 (Died in Committee)
House Bill 1395 was Florida's most ambitious AI proposal, covering government AI contracts, protections for minors, restrictions on personal data use, and prohibitions on commercial use of AI-created likenesses without consent. The bill included civil penalties and private causes of action. Although it died in the Information Technology Budget & Policy Subcommittee, similar proposals are expected in future sessions.
AI Bill of Rights: S0482 (Died in Committee)
Senate Bill 0482 proposed an Artificial Intelligence Bill of Rights for Florida, addressing AI use, parental consent requirements for minors interacting with AI systems, and restrictions on government contracts with AI-related entities. The bill reflected a growing national conversation around consumer AI protections and is likely to be reintroduced.
Chatbot Interaction Standards: H0659 (Died in Committee)
House Bill 0659 would have required chatbot operators to display specified information on any platform used to access chatbots, maintain engagement protocols including age verification, and file reports with the Department of Legal Affairs. Violations would have been considered unfair or deceptive acts with civil action remedies.
Insurance AI Restrictions: S0202 (Died in Committee)
Senate Bill 0202 proposed mandatory human reviews of insurance claim denials, prohibiting AI or algorithms as the sole basis for denying claims. The Office of Insurance Regulation would have been empowered to conduct compliance examinations. This high-risk bill reflected concerns about automated decision-making in the insurance industry. See our AI in insurance guide.
Key Florida AI Bills at a Glance
| Bill | Topic | Status | Risk Level |
|---|---|---|---|
| SB 1344 | Companion AI chatbot age verification | Enacted | High |
| H1395 | Comprehensive AI regulation | Died | High |
| S0482 | AI Bill of Rights | Died | High |
| H0659 | Chatbot interaction standards | Died | Medium |
| S0202 | Human review of insurance denials | Died | High |
| S1194 | AI in education standards | Died | Medium |
| S1202 / H0875 | Facial recognition in eyewitness ID | Died | Medium |
| S1258 / H1469 | Autonomous vehicle safety | Died | Medium |
What's Regulated: Key Themes
- Companion AI chatbots: SB 1344 (enacted) requires account creation, age verification, and minor protections for chatbot platforms
- Consumer AI protections: H1395 and S0482 proposed broad AI rights frameworks including data restrictions and likeness protections
- Insurance automation: S0202 targeted AI-only claim denials, requiring human professional review
- AI in education: S1194 proposed statewide AI literacy standards and teacher training requirements
- Facial recognition: S1202 and H0875 sought limits on facial recognition in law enforcement identification procedures
- Autonomous vehicles: S1258 and H1469 proposed requiring licensed human operators for autonomous deliveries
Compliance Checklist for Florida
| Company Type | Highest Priority |
|---|---|
| AI chatbot / companion app operators | SB 1344 (age verification, account creation — NOW IN EFFECT) |
| Insurance companies using AI | Monitor S0202-type proposals in future sessions |
| EdTech companies | Monitor AI education standards proposals |
| Autonomous vehicle operators | Monitor AV safety bill reintroductions |
| Companies using facial recognition | Monitor eyewitness ID reform proposals |
| Any company with FL consumers | Track H1395/S0482-style comprehensive AI regulation |
For a complete index of Florida AI legislation, visit our Florida AI laws page.
This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance specific to your situation.
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