Key Finance AI Laws
| Jurisdiction | Bill # | Effective Date | Key Requirement | Source |
|---|---|---|---|---|
| Mississippi | SB2535 | Jul 01, 2025 | The MS Future Innovators Act requires high school students to earn credit in computer science or CTE with embedded compu... | Official text |
| Florida | S0794 | Jan 01, 2026 | This bill mandates that insurance claim denials be made by qualified human professionals, prohibiting sole reliance on A... | Official text |
| Mississippi | HB1489 | Jul 01, 2026 | The bill creates a Technology Innovation Fund to support tech-driven projects, enhance service delivery, promote equitab... | Official text |
| Alabama | SB 63 | Oct 01, 2026 | SB 63 proposes to regulate AI use in health care coverage decisions in Alabama, officially described as 'Insurance'. Spe... | Official text |
Finance AI Compliance FAQ
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Are AI lending decisions regulated?Yes. The federal Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA) apply to AI-driven lending decisions. The CFPB has issued guidance confirming that lenders must provide specific reasons for adverse actions even when using AI/ML models. Colorado SB 24-205 classifies AI in lending as high-risk, requiring impact assessments and consumer notification. Multiple states have introduced bills requiring algorithmic transparency in credit decisions.
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What is the CFPB stance on AI in financial services?The Consumer Financial Protection Bureau has consistently held that AI-driven financial decisions must comply with existing fair lending laws. In 2023, the CFPB issued guidance clarifying that creditors cannot use the complexity of AI models as a reason to provide vague adverse action notices — they must identify specific reasons for denials. The CFPB has also warned that AI-driven pricing algorithms may violate unfair, deceptive, or abusive acts or practices (UDAAP) standards.
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Which states regulate algorithmic credit scoring?Colorado SB 24-205 requires impact assessments for AI in lending and credit decisions. California has proposed several bills addressing algorithmic fairness in financial products. Illinois has introduced legislation requiring explainability for AI credit decisions. New York DFS has issued guidance on the use of AI in insurance and lending. The trend is toward requiring lenders to document, test, and explain AI-driven credit models.
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Does ECOA apply to AI?Yes. The Equal Credit Opportunity Act prohibits discrimination in credit decisions regardless of whether those decisions are made by humans or AI systems. The CFPB and federal banking regulators have confirmed that AI models used in credit underwriting must not produce disparate impact on protected classes, and lenders must be able to explain the basis for any adverse credit decision even when using complex AI/ML models.
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Are robo-advisors regulated by the SEC?Yes. The SEC regulates robo-advisors as registered investment advisers under the Investment Advisers Act of 1940. In 2023, the SEC proposed rules requiring investment advisers using predictive data analytics (including AI) to eliminate or neutralize conflicts of interest. Robo-advisors must provide suitable investment advice, make appropriate disclosures, and maintain fiduciary duties regardless of whether advice is generated by AI.
Finance AI Compliance Checklist
- Provide specific adverse action reasons for AI-driven credit denials (ECOA, FCRA, CFPB guidance)
- Conduct impact assessments for AI systems in lending and credit decisions (Colorado SB 24-205)
- Test AI credit models for disparate impact across protected classes (ECOA, CFPB guidance)
- Document AI model methodology, training data, and known limitations (Colorado SB 24-205, OCC guidance)
- Ensure robo-advisory platforms maintain fiduciary duty disclosures (SEC Investment Advisers Act)
- Monitor algorithmic pricing tools for UDAAP compliance (CFPB UDAAP guidance)
All Finance AI Bills (298)
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse consumer outcomes, ensuring meaningful human review.
Creates the Louisiana Artificial Intelligence Insurance Fairness Act (OR +$1,029,533 SG EX See Note)
HB880, the Louisiana Artificial Intelligence Insurance Fairness Act, aims to ensure fairness in AI use in insurance. The fiscal note suggests a $1,029,533 increase, details pending bill text.
Enacts the New York Artificial Intelligence Civil Rights Act
The New York Artificial Intelligence Civil Rights Act establishes protections against algorithmic discrimination and mandates evaluations for covered algorithms.
Automated decision systems.
SB420 proposes adding regulations for automated decision systems to California's Business and Professions Code and Public Contract Code.
Artificial Intelligence Fraud and Accountability Act; enact.
The Artificial Intelligence Fraud and Accountability Act establishes legal remedies for victims of AI fraud in Mississippi.
Relating To Taxation.
This bill creates an income tax credit for investments in qualified businesses focused on cybersecurity and artificial intelligence, with specific allocation ratios and recapture rules.
Unleashing AI Innovation in Financial Services Act
SB2528 proposes AI Innovation Labs for entities to experiment with AI, with conditional protection from enforcement actions, though guidelines are not specified in the bill.
Establishes consumers' foundational data privacy rights; creates oversight mechanisms; establishes enforcement mechanisms; establishes the privacy and security victims relief fund.
NY A05827: Establishes rights for consumers regarding data privacy, including access, correction, and deletion of personal data; outlines oversight and enforcement mechanisms; creates a relief fund.
Consumer protection: privacy; personal data privacy act; create. Creates new act.
SB0359 creates a new act focused on consumer data privacy in Michigan.
Relating to use of artificial intelligence in utilization review conducted for health benefit plans.
This bill addresses the use of artificial intelligence in utilization reviews for health benefit plans in Texas. Specific details, provisions, and penalties require verification from the full bill text.
Enacts the "New York artificial intelligence consumer protection act", in relation to preventing the use of artificial intelligence algorithms to discriminate against protected classes.
The bill enacts the 'New York artificial intelligence consumer protection act' to prevent AI algorithms from discriminating, based on the official description.
An act relating to regulating developers and deployers of certain automated decision systems
This bill aims to regulate developers and deployers of certain automated decision systems in Vermont, though specific details are speculative without the full text.
Relating to the regulation and reporting on the use of artificial intelligence systems by certain business entities and state agencies; providing civil penalties.
The bill regulates AI system usage by businesses and state agencies in Texas, requiring specific reporting and imposing civil penalties for non-compliance.
Relating to autonomous vehicles.
HB4085 allows self-driving vehicles to operate without a license, prescribes financial responsibility requirements, and exempts operators from certain driver duties.
Requesting The State To Convene An Artificial Intelligence Advisory Committee To Investigate How To Implement, Develop, And Regulate Artificial Intelligence In The State.
The bill requests the formation of an advisory committee to investigate and regulate artificial intelligence in Hawaii.
A bill for an act relating to restrictions on the use of artificial intelligence, and creating a civil cause of action.
HF406 creates a civil cause of action related to the use of artificial intelligence.
Insurance; use of artificial intelligence in making certain decisions regarding coverage; prohibit
HB887 prohibits the use of artificial intelligence in decisions related to insurance coverage, healthcare, and public assistance in Georgia.
Various property tax matters.
SB0163 regulates property tax inspections in Indiana, requiring taxpayer permission, details conditions for tax representatives, and mandates a report on automated valuation systems.
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Quality Control Standards for Automated Valuation Models".
This bill seeks congressional disapproval of the Bureau of Consumer Financial Protection's rule on quality control standards for automated valuation models.
Excludes a production using artificial intelligence or autonomous vehicles in a manner which results in the displacement of employees whose salaries are qualified expenses from the definition of qualified film for the purposes of the empire state film production credit.
This bill excludes productions using AI or autonomous vehicles that displace employees from the Empire State film production credit definition.
Regulate the use of pricing algorithms
SB79 seeks to regulate pricing algorithms by amending and enacting sections of the Ohio Revised Code, with specific audit, disclosure, and penalty requirements.
Health Insurance - Artificial Intelligence - Grievance Process and Reporting (AI Health Insurance Accountability Act of 2026)
The bill mandates human review of grievances from AI-related adverse health insurance decisions, requires a model review process under certain circumstances, and mandates reporting of grievance details including nature and outcome.
AN ACT to amend Tennessee Code Annotated, Title 20; Title 29 and Title 47, Chapter 18, relative to data security.
This bill amends TCA Title 20; Title 29 and Title 47, Chapter 18, creating an affirmative defense for covered entities in data breach cases if their cybersecurity program meets specific criteria, which are not specified in the available description but may be detailed in the full bill text.
Virginia Human Rights Act; equal credit opportunities, Virginia Fair Housing Law, nondiscrimination.
The bill mandates nondiscrimination in automated decision systems, addressing unlawful practices under the Virginia Human Rights Act, equal credit opportunities, and the Virginia Fair Housing Law, and prohibits using proxies for protected characteristics.
ALGORITHMIC PRICING
The Preventing Algorithmic Pricing Act mandates disclosure of algorithmic pricing based on personal data, prohibits its use under specific conditions, amends the Consumer Fraud and Deceptive Business Practices Act, and limits home rule. It exempts financial services and insurers.
Place requirements on the use of artificial intelligence systems by health carriers in making determinations about the provision of health care services.
SB169 seeks to regulate AI use by health carriers in healthcare decisions in South Dakota, based on the bill's title and description.
Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries.
HR1007 expresses the House's view on AI in financial services and housing, but specific provisions cannot be confirmed without the full text, and no assumptions should be made.
AN ACT relating to the promotion of family well-being and making an appropriation therefor.
This bill extends public assistance eligibility, mandates human review of benefits, establishes the Basic Health Program Design Task Force, and directs federal waiver applications.
Higher Education - Maryland Artificial Intelligence Partnership
SB597 establishes the Maryland Artificial Intelligence Partnership within the University System of Maryland, including an AI Incubation Lab contingent upon securing adequate funding.
Transportation; allow and regulate autonomous vehicles.
The bill authorizes the operation of fully autonomous vehicles in Mississippi, defining requirements for their use, including achieving a minimal risk condition if the system fails.
HBCU AI Research Leadership Act
US HB7826: HBCU AI Research Leadership Act allocates financial assistance to HBCUs for AI research, detailing specific allocation criteria and amendments.
Imposes liability for misleading, incorrect, contradictory or harmful information to a user by a chatbot that results in financial loss or other demonstrable harm.
NY A00222 imposes liability for chatbot information causing financial loss or harm, but details are speculative without the full bill text.
Artificial intelligence, consumer protection
Bill S0963 aims to amend South Carolina law to prohibit algorithmic discrimination by high-risk AI systems by adding Chapter 31 to Title 37. The bill's full text is not available, so additional provisions or definitions are unknown.
AI Fraud Accountability Act of 2026
The AI Fraud Accountability Act of 2026 aims to address digital impersonation fraud. This preliminary analysis is based on the bill's title and description.
INS-ADVERSE DETERMINATION
The bill mandates that only clinical peers make adverse determinations in health care plans using automated processes, effective January 1, 2025.
AN ACT relating to the promotion of family well-being and making an appropriation therefor.
The bill extends public assistance eligibility, mandates human review of benefits, establishes tuition waivers for eligible parents, and allows eviction record expungement.
PRP & ISBE AI ANALYSIS
The bill directs the PRP and ISBE to analyze AI's impact on education funding, focusing on cost factors within the evidence-based funding model, and report findings by December 31, 2027.
Relative to AI health communications and informed patient consent
Bill H1210 is proposed to address AI health communications in Massachusetts, but specific mandates are speculative without the full bill text.
Relating To Artificial Intelligence.
HB2500 establishes requirements for developers and deployers of algorithmic decision systems in Hawaii, focusing on transparency, accountability, and individual data rights, effective 1/1/2027.
Algorithm and AI use prohibited during health insurance prior authorization request review.
HF2500 prohibits the use of algorithms and AI in health insurance prior authorization reviews in Minnesota. This analysis is based solely on the official description.
Health Insurance; prohibiting issue of outcomes with AI; requiring decisions to be made by provider; requiring disclosures. Emergency.
SB2038 prohibits AI in health insurance decisions, requires decisions by licensed providers, mandates specific disclosures, and includes an emergency clause for immediate effect.
Relating To The Hawaii Patients' Bill Of Rights And Responsibilities Act.
SB2167 modernizes the Hawaii Patients' Bill of Rights by expanding enforcement authority, improving network adequacy, establishing telehealth parity, and addressing automated decision systems.
Prohibits algorithmic wage-setting; provides for exceptions; provides for penalties for violation; creates a private right of action.
Prohibits algorithmic wage-setting; details on exceptions, penalties, and private right of action are speculative pending full text review.
A bill for an act relating to restrictions on the use of artificial intelligence, and creating a civil cause of action.
HF2082 introduces restrictions on AI use in Iowa and establishes a civil cause of action.
Enacts the New York artificial intelligence bill of rights to provide residents of the state with rights and protections to ensure that any system making decisions without human intervention impacting their lives do so lawfully, properly, and with meaningful oversight.
The bill establishes the New York artificial intelligence bill of rights, ensuring residents' rights regarding automated decision-making systems without hindering innovation.
An Act Prohibiting Health Insurers From Using Artificial Intelligence As The Primary Method To Deny Health Insurance Claims.
This bill prohibits health insurers in Connecticut from using artificial intelligence as the primary method to deny health insurance claims.
Data brokers; regulation, civil penalties.
This bill regulates data brokers, prohibiting the acquisition of personal data for purposes such as stalking, harassment, fraud, or discrimination, and requires security measures with specific features and annual registration starting December 1, 2027. The provisions take effect on July 1, 2027.
An Act Prohibiting Health Insurers From Using Artificial Intelligence To Deny Health Insurance Claims.
This bill prohibits health insurers from using artificial intelligence to deny health insurance claims.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
HB1382 requires health insurance issuers using AI for utilization review to adhere to specific standards, including compliance with state laws.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
SB1261 amends Tennessee Code to regulate health insurers' use of AI in utilization reviews, ensuring compliance with state and federal laws.
Income tax: credits: commercial production.
CA AB2403 proposes to add Sections 17053.98.5 and 23698.5 to the Revenue and Taxation Code, providing income tax credits for commercial production. Details are unknown without full bill text.
Enacts the "advanced artificial intelligence licensing act"; providing for regulation of advanced artificial intelligence systems (Part A); requires registration and licensing of high-risk advanced artificial intelligence systems and related provisions regarding the operation of such systems (Part…
The bill enacts the 'advanced artificial intelligence licensing act' to regulate advanced AI systems in New York, including prohibiting certain AI developments. Specifics on 'high-risk' systems and the ethical code of conduct are not detailed due to the lack of full bill text.
Relating To The Patients' Bill Of Rights.
HB2537 establishes patient rights regarding timely access to healthcare, requires safeguards for health information, sets timelines for prior authorization, and details provider protections.
Downcoding medical claims.
AB2431 proposes adding sections to the Health and Safety Code and Insurance Code to regulate downcoding medical claims, though specific guidelines for insurers are unconfirmed.
Relating To Insurance.
SB2953 establishes governance and consumer protections for AI use in insurance, requiring rule adoption by the Insurance Commissioner.
Relating To Algorithmic Discrimination.
This bill prohibits algorithmic discrimination in decision-making and mandates transparency and reporting for covered entities, including updating notices within thirty days of changes.
Requesting The State To Convene An Artificial Intelligence Advisory Committee To Investigate How To Implement, Develop, And Regulate Artificial Intelligence In The State.
This bill requests Hawaii to form an advisory committee, including state officials and AI experts, to explore AI implementation and regulation in the state.
Requesting The Hawaii Civil Rights Commission To Examine The Applicability Of Existing State Anti-discrimination Laws To Algorithmic And Automated Decision Systems.
HCR192 requests the Hawaii Civil Rights Commission to examine the applicability of state anti-discrimination laws to algorithmic and automated decision systems.
Imposes liability for misleading, incorrect, contradictory or harmful information to a user by a chatbot that results in financial loss or other demonstrable harm.
The bill imposes liability for chatbots providing misleading, incorrect, contradictory, or harmful information causing financial loss or harm, but specifics are unclear without the full text.
Relating To Taxation.
This bill creates an income tax credit for investments in qualified businesses focused on cybersecurity and AI, with specific activity and location requirements.
DFPR-AI-MENTAL HEALTH SERVICE
The bill mandates informed consent from patients before licensed mental health professionals use AI tools in treatment.
Data privacy; processing of data regulated, consumer actions related to data authorized
HB351 is a legislative proposal in Alabama concerning data privacy. Specific details will be provided once the full bill text is available.
Imposes liability for misleading, incorrect, contradictory or harmful information to a user by a chatbot that results in financial loss or other demonstrable harm.
This bill imposes liability on chatbot proprietors for misleading or harmful information that causes user harm.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met, and permits cities with a population of five million or more to establish local rules for for-hire services.
Insurance, Health, Accident - As introduced, creates the "Regulate Artificial Intelligence (AI) In Health Care Act." - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.
This bill introduces the 'Regulate Artificial Intelligence (AI) In Health Care Act,' amending TCA Title 8, Chapter 27; Title 56 and Title 71. Specific details are unavailable.
ALGORITHMIC IMPACT ASSESSMENTS
The bill mandates annual algorithmic impact assessments and for any significant updates to automated decision tools in Illinois.
Artificial intelligence safety and disclosure requirements establishment (RAISE Act)
The RAISE Act's provisions are currently unverified due to unreadable bill text. No assumptions should be made until the text is available.
Excludes a production using artificial intelligence or autonomous vehicles in a manner which results in the displacement of employees whose salaries are qualified expenses from the definition of qualified film for the purposes of the empire state film production credit.
This bill excludes productions using AI or autonomous vehicles that displace employees from qualifying for New York's film production credit.
Senate Study Committee on the Impact of Artificial Intelligence; create
The resolution SR789 establishes the Senate Study Committee on the Impact of Artificial Intelligence in Georgia, detailing objectives, member selection, size, duration, and deadlines.
TRANSPARENCY IN DOWNCODING ACT
IL HB4735: TRANSPARENCY IN DOWNCODING ACT excludes self-insured plans under ERISA and Workers' Compensation-related health care.
REGISTERED NURSE USE OF AI
This bill regulates the use of AI by registered nurses in Illinois, prohibiting AI from replacing nursing services, requiring patient notice, mandating training and data access, and amending grounds for discipline.
Enacts the "advanced artificial intelligence licensing act"; providing for regulation of advanced artificial intelligence systems (Part A); requiring registration and licensing of high-risk advanced artificial intelligence systems and related provisions regarding the operation of such systems (Part…
The bill establishes the 'advanced artificial intelligence licensing act' to regulate high-risk AI systems, detailing the Department of State's powers and prohibiting certain AI systems.
Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.
This bill clarifies that owners of self-driving vehicles must comply with existing insurance requirements in New Jersey.
SURVEILLANCE-BASED WAGES
HB4987 prohibits using surveillance data in automated wage decisions and allows private rights of action, with exemptions set forth and enforcement by the Attorney General.
AI-ASSISTED THERAPY RESEARCH
IL HB 5003: AI-ASSISTED THERAPY RESEARCH - This bill regulates AI-assisted therapy in qualified research programs, requiring licensed professionals to perform certain actions, with a repeal date of January 1, 2030.
HUMAN RIGHTS-AI-VIOLATIONS
This bill mandates notification by the owner, real estate broker, salesman, or agent to the other person engaging in the real estate transaction when AI is used, establishing civil rights violations for non-compliance.
Mississippi Fully Autonomous Vehicle Enabling (MS FAVE) Act of 2023; establish to regulate operation of autonomous vehicle on public roads.
The MS FAVE Act allows fully autonomous vehicles to operate on public roads without a human driver, under specific conditions, and exempts them from certain equipment requirements.
AN ACT relating to biometric identification.
This bill defines biometric identifiers and mandates consent for their commercial use, along with storage and destruction requirements.
Relating to the use of artificial intelligence-based algorithms by health benefit plan issuers, utilization review agents, health care providers, and physicians.
This bill addresses the use of AI algorithms by health benefit plan issuers, healthcare providers, and physicians in Texas.
An Act to Prohibit the Use of Artificial Intelligence in the Denial of Health Insurance Claims
LD1301 aims to prohibit AI in denying health insurance claims in Maine. This analysis is speculative and subject to change upon review of the full bill text.
Unleashing AI Innovation in Financial Services Act
The bill establishes regulatory sandboxes allowing entities to experiment with AI in financial services without enforcement actions.
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse determinations and mandates review processes by authorized individuals.
Establishes requirements for health insurance issuers using artificial intelligence or automated decision systems. (8/1/26)
SB246 establishes requirements for health insurance issuers using AI or automated systems, effective August 1, 2026. This preliminary analysis is based on the title and description only.
Preventing Deep Fake Scams Act
The Preventing Deep Fake Scams Act creates a Task Force on Artificial Intelligence in the Financial Services Sector to report on AI-related issues to Congress.
Relating to disclosure of the use of artificial intelligence in the denial of insurance claims.
The bill mandates insurers to disclose when AI is used in denying insurance claims, including the basis for the decision and appeal instructions.
AI PRINCIPLES
The bill establishes the Illinois High-Impact AI Governance Principles and Disclosure Act, requiring businesses using AI to comply with governance principles.
Provides that health insurance plans would provide coverage the use of artificial intelligence technology for analysis of breast tissue diagnostic imaging.
Bill H8073 mandates health insurance coverage for AI technology in breast tissue diagnostic imaging in Rhode Island.
Personal rights: automated decision systems.
AB2269 mandates businesses using automated decision systems in California to assess and report on their impact, focusing on bias and discrimination.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met, and permits local rules in large cities.
Revises provisions relating to health insurance. (BDR 57-238)
This bill revises health insurance provisions, focusing on prior authorization and the use of AI by insurers, including reporting and penalties for violations.
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse consumer outcomes, requiring meaningful human review of decisions.
FINANCIAL TRANSACTIONS-ACCESS
HR0524 urges opposition to federal law changes that would increase access to Americans' financial transactions for electronic surveillance.
Authorizing financial institutions to report suspected financial exploitation of an adult account holder to a designated agency, notify any adult designated as a trusted contact by such account holder of suspected financial exploitation and place a temporary hold on certain transactions or…
HB2591 authorizes financial institutions to report suspected financial exploitation, regulate virtual currency kiosks, address insolvency of technology-enabled fiduciary financial institutions, and eliminate certain stipulations on negotiable instruments.
Protections for Youth on Social Media
HB 1148 mandates privacy protections for minors on social media, targeting businesses that generate a majority of their revenue from online services.
AI-ASSISTED THERAPY RESEARCH
The bill amends the Wellness and Oversight for Psychological Resources Act to allow AI-assisted therapy within qualified research programs, specifying penalties for any violations of the amendatory Act.
State fiscal and contracting matters.
SB0005 establishes consumer data protection laws in Indiana, effective January 1, 2026, detailing consumer rights and controller responsibilities.
Use Of Artificial Intelligence Transparency
The bill text for HB184 is not available, so specific provisions on AI transparency cannot be confirmed.
Artificial intelligence.
SCR 17 affirms California's commitment to safe AI and the principles of the AI Bill of Rights, guiding automated systems' use and legislation.
AI Accountability and Personal Data Protection Act
SB2367 aims to establish a federal tort for data exploitation without consent. The analysis is speculative due to the unavailability of the full bill text and unknown enforcement mechanisms.
Revises provisions relating to transportation network companies. (BDR 58-935)
SB288 allows agreements between monitored autonomous vehicle providers and TNCs for service provision and prohibits local taxes on these services.
Health Insurance - Use of Artificial Intelligence - Human Evaluation
The bill mandates human evaluation by licensed health care professionals for audits and compliance reviews of AI tools used in health insurance utilization reviews.
Insurance Fraud Detection Act; establish trust fund to assist Mississippi Insurance Department in cyber fraud.
The Insurance Fraud Detection Act amends Sections 83-2-33 and 83-5-72 of the Mississippi Code of 1972 to establish a trust fund for the Mississippi Insurance Department.
AUTOMATED DECISION TOOLS
The Automated Decision Tools Act mandates impact assessments and notifications for automated decision tools by 2026 to mitigate algorithmic discrimination.
Relating To Artificial Intelligence.
Establishes consumer protection requirements for AI systems, including disclosures, incident reporting, and classifies certain violations as unfair or deceptive acts or practices.
HUMAN RIGHTS-AI-VIOLATIONS
The bill mandates disclosure of AI usage in real estate, loan, credit card applications, and public accommodations, establishing civil rights violations for non-compliance.
Vehicle Laws - Fully Autonomous Vehicles
SB909 sets standards for fully autonomous vehicles on Maryland highways, including safety and operational requirements, and mandates data compliance with relevant privacy laws.
PROFESSIONAL AI OVERSIGHT ACT
The Professional AI Oversight Act mandates disclosure of AI use, including its specific purpose, by licensees when a person is paying for the service, effective January 1, 2027.
AN ACT to amend Tennessee Code Annotated, Title 49, relative to education.
TN HB1455: AN ACT to amend TCA Title 29; Title 33; Title 39 and Title 47, addressing AI systems trained to encourage suicide, criminal homicide, or simulate human relationships.
Relating To Autonomous Vehicles.
This bill mandates a human supervisor in automated vehicles used for commercial passenger transport and offers an income tax credit for training supervisors. The effective date is 7/1/3000.
Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.
Bill S2010 aims to promote transparency and accountability in AI use by health insurers in Rhode Island. Specific provisions will be included once the full bill text is available.
Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.
HB3675 addresses the use of AI by health insurance review agents in Oklahoma. Specific details cannot be confirmed without the full bill text.
Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.
This bill aims to promote transparency and accountability in AI use by health insurers in Rhode Island. This analysis is based on the official description, not the full bill text.
Insurance Companies, Agents, Brokers, Policies - As introduced, imposes requirements for health insurance issuers using artificial intelligence, algorithms, or other software for utilization review or utilization management functions. - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.
This bill amends TCA Title 8, Chapter 27; Title 56 and Title 71, proposing requirements for health insurance issuers using AI for utilization review, though specifics are unclear without the full text.
Mississippi Medical Judgement Protection Act; create.
MS HB1717: Mississippi Medical Judgement Protection Act; last action pending. Authorizes enforcement by licensing authorities, Department of Insurance, and Division of Medicaid, with specific delayed enforcement provisions. Requires tamper-resistant audit logs.
Civil Actions - Product Liability - Artificial Intelligence Systems
HB712 establishes liability for AI system developers and deployers for defects and inadequate warnings, allowing the Attorney General to sue for damages.
Establishing the Massachusetts data privacy act
Bill S.2516 establishes the Massachusetts Data Privacy Act, granting consumers rights to access, correct, and delete personal data, with penalties for non-compliance.
Prohibits the use of a wage-fixing algorithm in combination with personal or behavioral data to set or recommend wages or compensation; defines terms; establishes penalties for violations of such prohibition.
Prohibits wage-fixing algorithms using personal or behavioral data in New York; establishes penalties for violations.
Regulate the use of pricing algorithms
HB665 proposes to regulate pricing algorithms by amending sections 1331.01, 1331.04, and 1331.16, and enacting sections 1331.05 and 1331.50. Specific details will be included once the full bill text is available.
AUTOMATED DECISION TOOLS
The Preventing Algorithmic Discrimination Act mandates impact assessments and notifications for automated decision tools to prevent discrimination, with exemptions for smaller deployers.
Artificial intelligence disclosure statements.
The content of HB1167 regarding AI disclosure statements is currently unverifiable due to unreadable bill text.
Establishes the transitional wage insurance program under which the department of labor provides temporary supplemental payments to eligible individuals who accept new employment at a lower wage than their prior employment.
Bill A10183 establishes a transitional wage insurance program in New York for individuals accepting lower-wage employment, administered by the Department of Labor.
Insurance Department Fraud Detection Trust Fund; rename Insurance Department Fund and redesignate as a special fund.
HB986 proposed renaming and redesignating the Insurance Department Fund but died in committee.
Insurance Department Fraud Detection Trust Fund; rename Insurance Department Fund and redesignate as a special fund.
MS HB1020: Renames the Insurance Department Fund as the 'Insurance Department Fraud Detection Trust Fund', redesignates it as a special fund, and increases contribution caps.
Law-enforcement agencies; use of certain technologies & interrogation practices; forensic lab.
This bill mandates a framework for law enforcement's use of generative AI, machine learning, audiovisual surveillance technologies, and interrogation practices, including basic training and recertification, with specific training deadlines for officers employed before July 1, 2026. It also prohibits the purchase of unapproved forensic analysis equipment by both local law enforcement and campus police departments, requiring approval from the Department of Forensic Science or the Forensic Science Board.
Law-enforcement agencies; use of certain technology & interrogation practices; forensic laboratory.
The bill mandates a framework for AI technologies, requires policy adoption for interrogation practices by July 1, 2027, mandates forensic lab accreditation for local law-enforcement agencies and campus police departments, and establishes compulsory training standards.
Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.
Bill A10364 requires auto insurers to disclose telematics use for rates/discounts. Specifics are not confirmed due to lack of full bill text.
Relating To Health Care.
The bill mandates licensed provider reviews of specific adverse actions in health insurance utilization reviews involving AI, with guidelines on AI use.
Consumer data protection and providing a penalty. (FE)
SB166 involves changes to consumer data protection laws, including the creation of 100.80 of the statutes, and the repeal and amendment of specific provisions.
Insurance: health insurers; use of artificial intelligence tools to make decisions regarding claims; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.
This bill prohibits health insurers in Michigan from using AI to make decisions regarding claims, but specific actions like modifying or delaying are not confirmed.
Mandatory Human Reviews of Insurance Claim Denials
The bill mandates that insurance claim denials be made by human professionals, prohibiting AI as the sole basis. The Office of Insurance Regulation can conduct examinations under certain circumstances.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
This bill, known as the 'Regulate Artificial Intelligence (AI) In Health Care Act,' amends Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71.
AN ACT to amend Tennessee Code Annotated, Title 2; Title 4; Title 8; Title 10; Title 16; Title 29; Title 36; Title 37; Title 38; Title 39; Title 40; Title 45; Title 47; Title 48; Title 49; Title 53; Title 62; Title 63; Title 65; Title 67; Title 68 and Title 71, relative to artificial intelligence.
SB 2521 mandates the AI advisory council to include fraud detection strategies in their annual reports to state leaders.
Artificial Intelligence Transparency Amendments
The Artificial Intelligence Transparency Amendments is a bill from Utah, numbered HB0286, which is currently dead.
CRIM CD-ARTIFICIAL INTELLIGENC
This bill amends the Criminal Code to include false personation via artificial intelligence and defines 'artificial intelligence'.
Psychotherapy Artificial Intelligence Restrictions
CO HB 1195: Psychotherapy AI Restrictions, unlawful for entities to offer services without regulated professionals, allows AI for administrative and supplementary support.
Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide
SB444 amends Georgia law to ensure insurance coverage decisions for healthcare services are not based solely on AI systems, including definitions and related provisions.
Various mental health and insurance matters.
The bill prohibits AI from impersonating mental health professionals and sets standards for insurance reimbursement for mental health services.
Relating To Health Care.
The bill restricts AI use in health insurance reviews and mandates licensed provider reviews of adverse actions by carriers.
AI Fraud Deterrence Act
The AI Fraud Deterrence Act addresses financial crimes using AI, based on the official description, not the full bill text.
Requires insurers that sell flood insurance to provide certain policyholders with certain information.
This bill prohibits the use of facial recognition systems without consent, with specific exemptions for law enforcement and public safety.
Prohibits algorithmic wage-setting; provides for exceptions; provides for penalties for violation; creates a private right of action.
This bill prohibits algorithmic wage-setting for employers with 50 or more employees in New York, includes specific exceptions, penalties, and a private right of action.
Prohibits the use of a wage-fixing algorithm in combination with personal or behavioral data to set or recommend wages or compensation
This bill prohibits the use of wage-fixing algorithms that utilize personal or behavioral data to determine or suggest wages in New York. This analysis is based solely on the official description and may not capture all aspects of the bill due to the lack of full bill text.
REGISTERED NURSE USE OF AI
This bill regulates AI use by registered nurses in Illinois, amending discipline grounds for AI provision violations and is effective immediately.
Creates additional safety features for AI companion technology that include addressing suicidal ideation, potential physical harm or financial harm to others expressed by a user. It also requires notification the AI companion does not have human emotions.
The Rhode Island bill mandates safety features for AI companions, addressing user expressions of suicidal ideation and harm, and clarifies that AI lacks human emotions.
Interim study to examine the impact of artificial intelligence on Nebraska's private and public sectors, including the technology and insurance sectors
This interim study will examine the impact of artificial intelligence on Nebraska's private and public sectors, focusing on technology and insurance.
Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.
This bill clarifies that owners of self-driving vehicles in New Jersey must comply with existing insurance requirements.
Regulate the use of artificial intelligence by health insurers
HB579 aims to regulate AI use by health insurers in Ohio, detailing amendments to section 3902.50 and provisions of section 3902.80, including specific AI guidelines.
School Choice Scholarship Program
This bill prohibits microtargeting of political ads based on online behavioral data, demographics, and geographic location below electoral districts, addressing data privacy concerns.
Provides for notice requirements where an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, or a health maintenance organization certified pursuant to article forty-four of the public health law uses…
The bill requires insurers, corporations, and health maintenance organizations using AI in utilization reviews to provide written notice detailing the AI's role, data used, and decision criteria, with no exceptions, at the start of the review process.
Enacts a highway use tax on fuel-efficient vehicles; repealer
This bill establishes a Medicaid identification and anti-fraud biometric technology pilot program in New York, operational in one upstate and one downstate hospital.
Autonomous Vehicles
The bill exempts fully autonomous vehicles from certain regulations, allowing them to operate without a human driver and establishes insurance and operational requirements. It authorizes the Florida Turnpike Enterprise to enter into agreements to fund and operate facilities.
Relating To Algorithmic Discrimination.
This bill prohibits discriminatory use of algorithmic decision-making and mandates notifications and annual reports to the Attorney General.
Excludes a production using artificial intelligence or autonomous vehicles in a manner which results in the displacement of employees whose salaries are qualified expenses from the definition of qualified film for the purposes of the empire state film production credit.
Bill S06751 excludes productions using AI or autonomous vehicles from the Empire State film production credit if they displace employees whose salaries are qualified expenses.
Prohibits the provision of an artificial intelligence companion to a user unless such artificial intelligence companion contains a protocol for addressing possible suicidal ideation or self-harm expressed by a user, possible physical harm to others expressed by a user, and possible financial harm…
This bill mandates that AI companions must have protocols for addressing user self-harm, harm to others, and financial harm, with notifications required for certain users.
Requesting The State To Convene An Artificial Intelligence Advisory Committee To Investigate How To Implement, Develop, And Regulate Artificial Intelligence In The State.
The bill requests the formation of an advisory committee to investigate AI implementation and regulation in Hawaii, with a report due twenty days before the 2020 Regular Session.
Mandatory Human Reviews of Insurance Claim Denials
House Bill 527, titled 'Mandatory Human Reviews of Insurance Claim Denials', mandates human review for insurance claim denials by workers' compensation carriers, insurers, and HMOs, prohibiting AI as
Artificial Intelligence Systems
HB1009 addresses artificial intelligence systems in Colorado, but the source text is unreadable, preventing detailed analysis.
Consumer Protection - Consumer Reporting Agencies - Use of Algorithmic Systems
This bill mandates consumer reporting agencies using algorithms for assembling or evaluating consumer credit information to meet specific requirements, including regular training for human reviewers, with thresholds set by the Commissioner of Financial Regulation. It also requires the Commissioner to implement a whistleblower protection program.
ARTIFICIAL INTELLIGENCE MEDICAL SERVICES – Adds to existing law to establish provisions regarding artifical intelligence medical services.
Bill H 945 aims to establish provisions for AI use in medical services in Idaho, but specifics are unclear as the full bill text is unavailable.
MS Future Innovators Act; enact to require high school computer science or CTE with embedded computer science course.
The Mississippi Future Innovators Act requires public high school students to earn credit in computer science or CTE courses with embedded computer science, satisfying certain state graduation requirements.
Imposes liability for misleading, incorrect, contradictory or harmful information to a user by a chatbot that results in financial loss or other demonstrable harm.
This bill imposes liability on chatbot proprietors for misleading or harmful information that causes user financial loss or harm.
AI Fraud Accountability Act
HB7786, the AI Fraud Accountability Act, is a proposed bill. Specific details on its focus, penalties, and oversight will be included once the full text is available.
Health care coverage: prior authorization.
AB 512 aims to amend timelines for prior authorization responses by health plans and insurers, proposing a 48-hour response for standard requests and 24-hour for urgent ones, with specific definitions and exceptions confirmed in the bill.
Online Privacy Act of 2026
The Online Privacy Act of 2026 establishes the Digital Privacy Agency to oversee privacy standards and compliance.
Relates to the use of automated lending decision-making tools by banks for the purposes of making lending decisions; allows loan applicants to consent to or opt out of such use.
NY A00773: Relates to the use of automated lending decision-making tools by banks, allowing applicants to consent to or opt out of such use.
Establishes Artificial Intelligence Apprenticeship Program and artificial intelligence apprenticeship tax credit program.
Establishes an AI Apprenticeship Program and tax credit program in New Jersey. Analysis is speculative and based on title and description only.
Relating To The Patients' Bill Of Rights.
This bill establishes patient rights regarding timely access to care, mandates disclosure of automated decision tools, sets requirements for prior authorization determinations, and expands enforcement authority.
Regulating high-risk artificial intelligence system development, deployment, and use.
SB6120 aims to regulate high-risk AI systems in Washington, focusing on development, deployment, and use. The bill's full details are not available.
MS Future Innovators Act; enact to require high-school computer science or CTE with embedded computer science course.
The MS Future Innovators Act requires high school students to earn credit in computer science or CTE with embedded computer science, starting with the 2027-2028 class, without replacing core math or science credits.
Requires collection of data by health insurers regarding health insurance claims and decisions made using automated utilization management systems.
NJ S1029 requires health insurers to collect data on claims and automated decisions, though specific reporting requirements and penalties are not confirmed.
Consumer Protection and Labor and Employment - Electronic Shelving Labels and Surveillance-Based Price and Wage Setting - Prohibitions
This bill prohibits surveillance-based price and wage setting, specifically targeting food retailers and employers. Violations are unfair trade practices under Maryland law.
Relates to the use of automated lending decision-making tools by banks for the purposes of making lending decisions; allows loan applicants to consent to or opt out of such use.
NY S08115 allows loan applicants to consent to or opt out of banks' use of automated lending tools. Specifics on implementation and bank requirements are unknown without the full bill text.
Excludes a production using artificial intelligence or autonomous vehicles in a manner which results in the displacement of employees whose salaries are qualified expenses from the definition of qualified film for the purposes of the empire state film production credit.
This bill excludes productions using AI or autonomous vehicles that displace employees whose salaries are qualified expenses from the Empire State film production credit.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
SB1113 amends Titles 35 and 40 to regulate AI in health facilities, insurers, and MA or CHIP managed care plans, detailing departmental duties and imposing penalties.
Enacts the "New York artificial intelligence consumer protection act", in relation to preventing the use of artificial intelligence algorithms to discriminate against protected classes.
The bill S01962, titled the 'New York Artificial Intelligence Consumer Protection Act,' has been introduced in New York.
An Act Concerning Online Safety.
This bill aims to enhance online safety through comprehensive AI regulations and workforce development initiatives, including safe harbor programs and teacher certification enhancements. The Attorney General, Insurance Commissioner, and Commissioner of Consumer Protection are required to accept applications for safe harbor programs. Synthetic digital content must be detectable as such. The bill also modifies the Technology Talent and Innovation Fund Advisory Committee.
To establish the Massachusetts Data Privacy Act
The Massachusetts Data Privacy Act aims to establish comprehensive data privacy protections for residents, addressing technology and cybersecurity.
Relating to the deceptive trade practice of failure to disclose information regarding the use of artificial intelligence system or algorithmic pricing systems for setting of price.
This bill addresses deceptive trade practices related to AI and algorithmic pricing systems, though specific requirements and penalties are not confirmed without the bill text.
Relating to use of artificial intelligence in utilization review conducted for health benefit plans.
The bill's text is not available for review, so specific provisions and requirements cannot be confirmed.
AI Chatbots - Licensing/Safety/Privacy
Senate Bill 624 aims to regulate AI chatbots in North Carolina, focusing on user protection and accountability.
Insurance: other; portable electronics insurance; provide for. Amends secs. 1201, 1202, 1207 & 2266 of 1956 PA 218 (MCL 500.1201 et seq.) & adds secs. 1292, 1293, 1294, 1295, 1296 & 1297.
The bill establishes the Surveillance Technology Act, creating an oversight board to regulate surveillance technology used by law enforcement in Michigan.
Health insurance; ethics and fairness in carrier business practices, downcoded claims.
The bill prohibits selling or disseminating AI-generated media of actual persons without disclosing AI use. It is currently in the 'Introduced' status.
Directs professional and occupational boards to promulgate rules for licensee use of generative artificial intelligence.
This bill directs professional boards in New Jersey to create rules for licensee use of generative artificial intelligence, with a model policy adopted within six months.
AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIAL INTELLIGENCE USE BY HEALTH INSURERS TO MANAGE COVERAGE AND CLAIMS ACT
SB 2010 may address AI use by health insurers in Rhode Island; details await full bill text. The bill is under legislative review.
Use of Artificial Intelligence in Health Care
The bill regulates AI use in health care, requiring AI systems to notify users they are not human, prohibiting AI from using human titles, and ensuring AI does not base determinations solely on group data, but also on other relevant factors specified in the bill.
Provides that credits for excess electricity generated by customer-generators subject to net energy metering may be carried over and used to offset electricity used
This bill regulates the testing and operation of autonomous vehicles on public highways in New York, ensuring safety and compliance with federal standards. It requires a report by February 12, 2016.
REGULATION-TECH
The bill establishes a Biometric Information Privacy Study Committee to examine and report on the use of biometric data by government entities in Illinois.
Law-enforcement agencies; use of certain technologies and interrogation practices.
The bill establishes a framework for law enforcement's use of AI and interrogation practices, requiring training and policy adoption by 2026. It mandates ILAC accreditation for forensic labs.
To amend title XVIII of the Social Security Act to limit the penalty for late enrollment under part B of the Medicare Program to 15 percent and twice the period of no enrollment, and to exclude periods of COBRA, retiree, and VA coverage from such late enrollment penalty.
The Fair Grocery Pricing Act prohibits food producers from using algorithmic systems to manipulate food prices or supply.
Retirement Security Act of 2019
SB321 reportedly prohibits U.S. persons and entities from advancing AI capabilities in China, based on the official description. Full bill text is unavailable for verification.
Relating to the use of artificial intelligence-based algorithms in utilization review conducted for certain health benefit plans.
This bill mandates health insurers to disclose the use of AI algorithms in utilization reviews and ensure compliance with bias minimization and clinical guidelines.
Automated decision systems.
CA AB1018: Automated decision systems must comply with new regulations, including specific transparency and accountability measures, impact assessments, and documentation requirements.
California Preventing Algorithmic Collusion Act of 2025.
SB-295 aims to add Chapter 8 to the Business and Professions Code to address algorithmic collusion in California.
Requires certain companies which utilize artificial intelligence to file responsible capability scaling policies with the chief information officer.
This bill mandates companies using AI in New York to file responsible capability scaling policies with the chief information officer.
Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.
The bill mandates disclosures by auto insurers about telematics systems used in determining insurance rates and discounts.
Establishes the New York workforce stabilization act; requires certain businesses to conduct artificial intelligence impact assessments on the application and use of such artificial intelligence and to submit such impact assessments to the department of labor prior to the implementation of the…
The New York Workforce Stabilization Act mandates AI impact assessments and imposes a 2% surcharge on certain corporations meeting specific criteria using AI or data mining.
Community Health, Board of; reopen the 2014 open enrollment; major medical facility declared out of network; define certain terms (PF)
The bill requires reopening the 2014 open enrollment period for employees affected by out-of-network designations by their medical claims administrator.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.
This bill prescribes requirements and safeguards for AI and algorithms in health insurance utilization reviews.
Requires experts in professional fields to be consulted when developing and maintaining artificial intelligence technology for use in such fields.
This bill mandates that entities consult experts in professional fields when developing and maintaining AI technology for those fields.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.
The bill mandates transparency and accountability in AI use for utilization reviews in New York, requiring insurers to comply with new standards and altering healthcare provider processes.
Establishing the Massachusetts consumer data privacy act
Bill H78 proposes the Massachusetts Consumer Data Privacy Act. The bill is currently under review in the Massachusetts House of Representatives.
Advancing the economic development of the commonwealth through comprehensive data privacy
Bill S301 proposes the Massachusetts Information Privacy and Security Act, focusing on data protection, transparency, and economic development through data privacy.
In preliminary provisions, providing for algorithmic pricing transparency and fairness; and imposing duties on the Office of Attorney General and Bureau of Consumer Protection.
HB1779 aims to amend Title 12 for algorithmic pricing transparency, imposing duties on the Attorney General and Consumer Protection Bureau.
Artificial Intelligence Scam Prevention Act
The Artificial Intelligence Scam Prevention Act aims to address AI-facilitated fraud, but specific provisions, safeguards, and penalties cannot be confirmed without the full bill text.
Artificial Intelligence Civil Rights Act of 2025
SB3308 aims to protect individual rights concerning computational algorithms at the federal level. Specific provisions and impacts will be detailed once the full bill text is available.
No Robot Bosses Act
The No Robot Bosses Act seeks to address the use of automated decision systems by employers. Detailed analysis will follow once the full bill text is available.
Establishing the Massachusetts Data Privacy Act
The Massachusetts Data Privacy Act is a proposed bill aimed at establishing data privacy regulations in Massachusetts. This analysis is limited and speculative due to the absence of the full bill text.
Relating to establishing a framework to govern the use of artificial intelligence systems in critical decision-making by private companies and ensure consumer protections; authorizing a civil penalty.
The bill mandates private companies using AI for consequential decisions to establish consumer protection frameworks and authorizes nominal civil penalties for violations.
Relating to regulation of the use of artificial intelligence systems in this state; providing civil penalties.
HB149 addresses the regulation of artificial intelligence systems in Texas, including civil penalties, with specifics unknown until the full bill text is available.
California AI Transparency Act.
AB-853 aims to enhance AI transparency by amending the Business and Professions Code, focusing on AI system disclosures and compliance penalties.
Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims process.
SB815 pertains to the use of automated systems and adverse determinations in Texas health benefit claims, with specific details pending the full bill text.
Mandatory Human Reviews of Insurance Claim Denials
This bill mandates that insurance claim denials be made by qualified human professionals, prohibiting sole reliance on AI.
Creates a subcommittee of the House of Representatives to study artificial intelligence, blockchain, and cryptocurrency
HR317 establishes a House subcommittee to study artificial intelligence, blockchain, and cryptocurrency.
THERAPY RESOURCES OVERSIGHT
The bill establishes the Wellness and Oversight for Psychological Resources Act, regulating AI use in therapy services by licensed professionals, prohibiting AI from detecting emotions or mental states.
TRANSPARENCY IN DOWNCODING ACT
The Transparency in Downcoding Act regulates downcoding practices, prohibits discriminatory practices against certain health care professionals, and sets notification and dispute processes.
Provides that every insurance policy delivered or issued for delivery in New York which provides major medical or similar comprehensive-type coverage shall provide space on any enrollment, renewal or initial online portal process forms so that the insured or applicant for insurance shall register…
This bill mandates that insurance policies in New York include options for applicants to register or decline registration in the Donate Life Registry.
Incorporates the 2022 Uniform Law Commission recommended amendments to the Uniform Commercial Code to provide for emerging technologies; addresses emerging technologies, providing updated rules for commercial transactions involving virtual currencies, distributed ledger technologies (including…
This bill amends the Uniform Commercial Code to incorporate rules for transactions involving emerging technologies like AI and blockchain.
AI PLAN Act Artificial Intelligence Practices, Logistics, Actions, and Necessities Act
The AI PLAN Act mandates a strategic framework to combat economic and national security risks from AI, including financial crimes, broader economic threats, and misinformation.
Consumer Protection - Consumer Reporting Agencies - Use of Algorithmic Systems
The bill mandates consumer reporting agencies using algorithms to evaluate credit information to meet specific requirements and implement training and whistleblower protections.
Consumer Protection - High-Risk Artificial Intelligence - Developer and Deployer Requirements
The bill mandates developers and deployers of high-risk AI systems to exercise reasonable care to protect consumers from algorithmic discrimination and requires disclosures and impact assessments.
VEH CD-AUTONOMOUS VEHICLES
This bill establishes regulations for autonomous vehicles in Illinois, including definitions and insurance requirements.
Relating to the disclosure of information with regard to artificial intelligence.
SB668 mandates disclosure of AI model information for businesses with over $100 billion in revenue using AI in Texas.
Establishes the New York workforce stabilization act; requires certain businesses to conduct artificial intelligence impact assessments on the application and use of such artificial intelligence and to submit such impact assessments to the department of labor prior to the implementation of the…
NY A05429: Establishes the New York workforce stabilization act, requiring AI impact assessments and imposing a 2% surcharge on corporations using AI or data mining.
Enacts the New York Artificial Intelligence Civil Rights Act establishing protections for individual rights with respect to computational algorithms; establishes protections against the use of algorithms involved in consequential decisions, such as those that impact people's rights, civil…
The New York Artificial Intelligence Civil Rights Act establishes protections against algorithmic discrimination, mandates independently audited evaluations, ensures algorithms meet advertised purposes, and provides remedies for violations.
Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender…
This bill prohibits insurers from using external consumer data and predictive models that unfairly discriminate based on protected characteristics.
REGISTERED NURSE USE OF AI
This bill, effective immediately, regulates AI use by registered nurses in Illinois, allowing exceptions for nonclinical activity and requiring training on AI failure modes. It also allows the Department to investigate any health care entity employing registered professional nurses.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
The bill allows fully autonomous vehicles to operate on New York roads without a human driver if conditions such as an engaged automated driving system, insurance, and registration are met. Note: This analysis is based on the official description and may not cover all conditions or restrictions present in the full bill text.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
NY A03650: Allows operation of fully autonomous vehicles on public roads without a human driver if the vehicle meets specific safety conditions, is registered, and insured.
IHL; must allocate funding for nonresident students to student financial aid programs.
SB2050 mandates a funding model for nonresident students based on enrollment percentages, affecting financial aid distribution.
Health Insurance - Special Enrollment Period for Newly Hired Employees of Small Businesses
This bill mandates a 60-day special enrollment period for health insurance for newly hired employees and their dependents of small businesses that do not offer employer-sponsored health plans in Maryland.
Algorithmic Accountability Act of 2025
SB2164, introduced in the U.S. Senate, directs the FTC to require impact assessments of automated decision systems and develop guidelines, focusing on critical decision processes.
Education benefits for veterans. Excludes from the determination of financial eligibility for need based financial aid certain benefits received by veteran students. Provides for state educational institution students who are members of the Indiana National Guard, the National Guard of a state…
HB1047 allows expired child sexual abuse claims against certain entities in bankruptcy until July 1, 2025, and defines AI-generated images as intimate images.
Consumer data protection.
HB1554 establishes a new article in the Indiana Code for consumer data protection, effective January 1, 2024.
Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender…
This bill prohibits insurers from using external consumer data and algorithms that unfairly discriminate based on protected characteristics.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met.
Incorporates the 2022 Uniform Law Commission recommended amendments to the Uniform Commercial Code to provide for emerging technologies; addresses emerging technologies, providing updated rules for commercial transactions involving virtual currencies, distributed ledger technologies (including…
This bill amends the Uniform Commercial Code to incorporate rules for transactions involving emerging technologies like AI and blockchain.
Health care plans; to regulate the use of artificial intelligence in determinations of coverage
SB 63 proposes to regulate AI use in health care coverage decisions in Alabama, officially described as 'Insurance'. Specific guidelines cannot be confirmed.
Enacts the preventing algorithmic pricing discrimination act; requires the disclosure of algorithmically set prices.
Bill S07033 suggests disclosure of algorithmically set prices in New York, but specifics cannot be confirmed without the full text.
Drive My Car Act.
SB 1315, the Drive My Car Act, proposes adding a new chapter to the Insurance Code concerning autonomous vehicles, but specific provisions are not detailed due to lack of full bill text.
AN ACT relating to privacy protection.
This bill establishes regulations for automated license plate readers, including data retention limits, usage policies for law enforcement, a permit process, and requires the Transportation Cabinet to amend KRS 189.990 to establish penalties for violations.
AN ACT RELATING TO COMMERCIAL LAW--GENERAL REGULATORY PROVISIONS -- ARTIFICIAL INTELLIGENCE COMPANION MODELS
HB 7350 proposes safety features for AI companions, including addressing suicidal ideation, and mandates clear notification to users about AI's lack of human emotions.
Creates additional safety features for AI companion technology that include addressing suicidal ideation, potential physical harm or financial harm to others expressed by a user. It also requires notification the AI companion does not have human emotions.
The Rhode Island bill mandates safety features for AI companions, addressing suicidal ideation and harm to others, and clarifies that AI lacks human emotions. It is part of the 'COMMERCIAL LAW -- GENERAL REGULATORY PROVISIONS -- ARTIFICIAL INTELLIGENCE COMPANION MODELS'.
Education; institute initiatives to promote literacy in math, reading, finance, computer science, and civics.
SB2294 establishes programs to enhance literacy in math, reading, finance, computer science, and civics in Mississippi, including the Mississippi Future Innovators Act, with support systems for educational personnel and parental notification requirements. It includes an Algebra-readiness indicator based on the Grade 5 statewide mathematics assessment scale score and financial literacy education under the J.P. Wilemon, Jr., Financial Literacy Act.
DATA PRIVACY AND PROTECTION
The Illinois Data Privacy and Protection Act restricts data handling to necessary and proportionate actions, mandates reasonable data policies, includes individual data rights, and emphasizes data protection for children and minors.
REGISTERED NURSE USE OF AI
This bill regulates AI use by registered nurses, focusing on transparency, patient notice, confidentiality protections, training, accountability, and is effective immediately. It authorizes the Department to investigate healthcare entities for AI provision violations.
Providing for disclosures and safeguards relating to the use of artificial intelligence; and imposing duties on the Attorney General.
SB1090 mandates AI usage disclosures, establishes safeguards, and assigns duties to the Attorney General. It aims to enhance transparency and accountability in AI applications.
VEH CD-AUTONOMOUS VEHICLES
HB3136 creates the Automated Motor Vehicle Study and Report to assess the feasibility of automated vehicles in Illinois.
An Act Concerning Health Insurance And Patient Protection.
This bill establishes the parity advancement account, prohibits step therapy for prescription drugs, and sets requirements for stop loss insurance policies, among other protections.
An Act Prohibiting Health Insurers From Using Software Tools To Automatically Downcode Health Insurance Claims.
This bill prohibits health insurers in Connecticut from using software tools, including AI, to automatically downcode health insurance claims without clinical review.
Adult Education and Economic Growth Act of 2012
The Adult Education and Economic Growth Act of 2012 amends workforce investment laws to enhance adult education and training programs.
Enacts the New York artificial intelligence bill of rights to provide residents of the state with rights and protections to ensure that any system making decisions without human intervention impacting their lives do so lawfully, properly, and with meaningful oversight.
The bill establishes an AI Bill of Rights for New York residents, ensuring lawful and effective automated decision-making with oversight, aligning with the White House's AI Blueprint.
AI-PRESCRIBING MEDICATION
The bill prohibits licensed medical professionals from allowing AI to prescribe medication without full control and responsibility, with penalty provisions for violations. 'Artificial intelligence' is defined as per the Illinois Human Rights Act.
Technology Innovation Fund; establish.
The bill creates a Technology Innovation Fund to support tech-driven projects, enhance service delivery, promote equitable access to technology, and improve cybersecurity in Mississippi.
Relating To Algorithmic Discrimination.
SB59 prohibits discriminatory algorithmic decision-making and mandates notifications and annual reports to the Attorney General.
Establishing the Massachusetts Data Privacy Act
The Massachusetts Data Privacy Act does not contain specific provisions or details about data privacy protections.
HEALTH CARE GENERATIVE AI USE
This bill mandates that healthcare facilities using generative AI for both written and verbal patient communications must meet defined criteria and include specific format disclaimers.
Incorporates the 2022 Uniform Law Commission recommended amendments to the Uniform Commercial Code to provide for emerging technologies; addresses emerging technologies, providing updated rules for commercial transactions involving virtual currencies, distributed ledger technologies (including…
This bill updates the Uniform Commercial Code to include rules for transactions involving virtual currencies and blockchain.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows the operation of fully autonomous vehicles on public roads in New York without a human driver, provided conditions such as specific safety standards, registration, and insurance are met.
Prohibit Surveillance Price & Wage Setting
CO HB 1210: Prohibit Surveillance Price & Wage Setting, classifies violations as deceptive trade practices, allows civil actions by the attorney general, district attorney, or individuals. The definition of 'worker' excludes federal and state employees and employees of public entities.
Health insurance
Bill S 920 amends South Carolina law to regulate AI use in health insurance prior authorizations, requiring specific circumstance consideration, disclosures, and disciplinary actions.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
HB1925 regulates AI in health facilities, insurance, and MA/CHIP plans, detailing department duties. Specific penalties and oversight require full bill text.
AI WORK TRANSITION COMMISSION
Establishes a Commission to assess AI's impact on Illinois industries and recommend workforce development strategies.
AI Workforce Training Act
The AI Workforce Training Act seeks to amend the Internal Revenue Code of 1986 to establish a federal tax credit for AI workforce training, with details pending full bill text.
Vehicle Laws - Fully Autonomous Vehicles
The bill establishes standards for fully autonomous vehicles on Maryland highways and subjects collected data to the Online Data Privacy Act.
Relating to the disclosure and use of artificial intelligence.
This bill mandates transparency and accountability in the use of artificial intelligence by any person providing goods or services to Texas residents.
"New Jersey Algorithmic Accountability Act"; requires certain businesses to conduct automated decision and data protection impact assessments.
The New Jersey Algorithmic Accountability Act requires certain businesses to conduct automated decision and data protection impact assessments in consultation with external experts.
AI-MEANINGFUL HUMAN REVIEW
Without the full text of HB 3720, no specific provisions or requirements can be confirmed or analyzed.
Urge Congress to reject moratorium on state regulation of AI
This bill urges Congress to reject any moratorium on state laws regulating artificial intelligence.
Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide
This bill prohibits insurance coverage decisions for healthcare services from being based solely on AI systems. It includes provisions for definitions.
CHATBOT RESPONSE LIABILITY ACT
The Chatbot Response Liability Act holds chatbot proprietors liable for misleading information affecting covered users or third parties. The Attorney General will adopt compliance rules.
Health Insurance - Artificial Intelligence, Adverse Decisions, and Grievances - Reporting Requirements
The bill mandates health insurance carriers to submit quarterly reports on their use of AI, altering existing reporting requirements for adverse decisions and grievances.
AI-PRESCRIBING MEDICATION
IL SB 2993: AI-PRESCRIBING MEDICATION regulates AI use in prescribing, requiring licensed professional oversight and establishing penalties for non-compliance.
Consumer Protection - Workgroup on Artificial Intelligence Implementation
The bill creates a Workgroup on Artificial Intelligence Implementation to monitor AI regulation, consumer protection, and government benefits, reporting by July 1, 2026.
AN ACT RELATING TO COMMERCIAL LAW--GENERAL REGULATORY PROVISIONS -- ARTIFICIAL INTELLIGENCE COMPANION MODELS
SB 2195 mandates specific safety features for AI companions, addressing user harm expressions and notifying users of AI's lack of emotions.
Artificial intelligence; regulate use in health coverage decisions
This bill addresses the use of artificial intelligence in health coverage decisions in Alabama, but lacks specific provisions or details.
ALGORITHMIC PRICE TRANSPARENCY
The Algorithmic Pricing Prohibition Act prohibits surveillance pricing based on personal data in Illinois and preempts home rule.
Enacts the New York artificial intelligence bill of rights
The bill enacts the New York artificial intelligence bill of rights, aiming to provide rights and protections for residents affected by AI systems, pending full text review.
CHATBOT RESPONSE LIABILITY ACT
The CHATBOT RESPONSE LIABILITY ACT addresses liability for chatbot responses, including financial loss, other demonstrable harm, and harm to third parties. The Act becomes effective one year after becoming law.
PROFESSIONAL AI OVERSIGHT ACT
The Professional AI Oversight Act mandates licensees to disclose AI use, notifying the person of the AI's specific purpose before a written exchange and verbally at the start of an oral exchange.
Regulate the use of artificial intelligence by health insurers
This bill aims to regulate the use of artificial intelligence by health insurers in Ohio.
Report: labor force impact: artificial intelligence.
AB2545 mandates the California Department of Industrial Relations to report on AI's labor force impact by 2028, with a repeal date of January 1, 2029.
Incorporates the 2022 Uniform Law Commission recommended amendments to the Uniform Commercial Code to provide for emerging technologies; addresses emerging technologies, providing updated rules for commercial transactions involving virtual currencies, distributed ledger technologies (including…
This bill updates the Uniform Commercial Code to include rules for commercial transactions involving emerging technologies like AI and blockchain.
Continuous Coverage Act
The Continuous Coverage Act allows individuals enrolled in health insurance as of September 30, 2013, to renew their coverage through December 31, 2015.
Advancing Enrollment and Reducing Drug Costs Act of 2019
The bill qualifies certain Medicaid enrollees for low-income Medicare drug subsidies based on age and income.
In culpability, providing for liability for deployment of artificial intelligence system.
This bill amends Pennsylvania law to establish liability for the deployment of artificial intelligence systems.
Establishing the Comprehensive Massachusetts Consumer Data Privacy Act
This bill aims to establish the Comprehensive Massachusetts Consumer Data Privacy Act to enhance consumer data protection.
Commerce and Trade; private entities that employ certain AI systems to guard against discrimination caused by such systems; provide
The bill mandates private entities using certain AI systems to guard against discrimination, outlines regulatory measures, provides for rule making, related matters, and repeals conflicting laws.
Requires an office within the department of financial services to establish minimum standards for large frontier developers' frontier AI frameworks to prevent unreasonable levels of catastrophic risk.
The bill mandates the department of financial services in New York to establish minimum standards for large frontier developers' AI frameworks to prevent unreasonable levels of catastrophic risk.
Unleashing AI Innovation in Financial Services Act
The bill proposes establishing AI Innovation Labs for AI experimentation by certain persons, under unspecified conditions.
Consumer Data Privacy Act
The Consumer Data Privacy Act establishes the Consumer Personal Information Privacy Act, with privacy protections for consumer information, including social security numbers, in Alaska. The Act becomes effective on January 1, 2024.
Health insurance
South Carolina's Bill S0920 requires health insurers to consider factors like bias and transparency when using AI, mandates disclosures about AI usage to enrollees, and details disciplinary actions such as fines or license suspensions for violations.
Requesting The Hawaii Civil Rights Commission To Examine The Applicability Of Existing State Anti-discrimination Laws To Algorithmic And Automated Decision Systems.
The bill requests the Hawaii Civil Rights Commission to examine the applicability of state anti-discrimination laws to algorithmic decision systems.
Military Health Care Protection Act of 2012
The Military Health Care Protection Act of 2012 aims to protect health care costs for military personnel and their families.
Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal year; relates to the waterfront commission act; makes amendments to change "applicant" to "licensee or…
This bill enacts components for the 2025-2026 budget, including regulations on AI companion models (Part U), buy-now-pay-later lenders (Part Y), and various transportation and environmental measures.
Commonsense Reporting Act of 2017
The Commonsense Reporting Act of 2017 modifies employer reporting requirements for health insurance coverage to the IRS.
Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal year; relates to the waterfront commission act; makes amendments to change "applicant" to "licensee or…
This bill implements key components of New York's 2025-2026 budget, covering transportation, economic development, environmental conservation, and cannabis regulation.
TRICARE Portability Act of 2015
The TRICARE Portability Act of 2015 ensures beneficiaries can access healthcare across TRICARE regions and facilitates provider transitions.
Senate Study Committee on Artificial Intelligence and Digital Currency; create
This resolution creates the Senate Study Committee on Artificial Intelligence and Digital Currency to explore related issues.
AI Regulation in the Finance Industry
State legislatures across the United States are actively developing artificial intelligence regulations that directly affect Finance companies and practitioners. These laws address a wide range of concerns including algorithmic discrimination, automated decision-making, data privacy, consumer transparency, and the use of high-risk AI systems that can materially affect individuals' lives. As of 2026, 43 states have introduced or enacted legislation with direct implications for Finance.
Compliance requirements vary significantly by state, making it essential for Finance legal and compliance teams to track both enacted laws and pending bills. Key obligations may include conducting algorithmic impact assessments, providing consumer disclosures when AI is used in consequential decisions, implementing risk management programs, and ensuring human-in-the-loop oversight for high-stakes outcomes. Penalties for non-compliance can be substantial — see our Penalty Tracker for details by state.
To assess your organization's specific compliance obligations under current and upcoming Finance AI regulations, use our Am I Affected? tool. For upcoming enforcement dates, visit the Deadlines page or the Deadline Calendar. Use the Bill Comparator to analyze differences between state laws side-by-side.