Finance AI Compliance: State-by-State Legal Requirements 2026

Enacts the New York privacy act to require companies to disclose their methods of de-identifying personal information, to place special safeguards around data sharing and to allow consumers to obtain the names of all entities with whom their information is shared.

New York's A 8158 (the "New York privacy act") would add General Business Law Article 42-A (§§ 1200-1207). Among other consumer rights, people could opt out of "profiling in furtherance of decisions that produce legal or similarly significant effects" (such…

MD SB909

Vehicle Laws - Fully Autonomous Vehicles

Maryland's SB 909 (2026, first reader text, cross-filed with HB 1295) would have allowed fully autonomous vehicles to operate without a human driver on Maryland highways if they meet safety, first responder plan and insurance requirements, including at least…

MD HB1295

Vehicle Laws - Fully Autonomous Vehicles

Maryland's HB 1295 (2026, first reader text, cross-filed with SB 909) would have allowed fully autonomous vehicles to operate without a human driver on Maryland highways if they meet safety, first responder plan and insurance requirements, including at least…

MD SB936

Consumer Protection - High-Risk Artificial Intelligence - Developer and Deployer Requirements

Maryland's SB 936 (2025) would have added Commercial Law sections 14-47A-01 to 14-47A-08 requiring developers and deployers of high-risk AI systems used for consequential decisions to use reasonable care against algorithmic discrimination starting February…

MD HB1399

Consumer Protection - Consumer Reporting Agencies - Use of Algorithmic Systems

Maryland's HB 1399 (2026, first reader text) would have added Commercial Law section 14-1228 requiring consumer reporting agencies that use algorithmic systems to assemble or evaluate consumer information to explain evaluations in plain language, keep a…

HI HB2537

Relating To The Patients' Bill Of Rights.

Hawaii's HB 2537 (2026), the Patients' Bill of Rights, would have amended HRS chapter 432E for managed care plans. It would set prior authorization deadlines (one business day urgent, three non-urgent), require notice and independent board-certified…

HI SB2967

Relating To Artificial Intelligence.

Hawaii's SB 2967 (2026) would have added a part to HRS chapter 480 regulating businesses ('deployers') that use AI systems or automated decision tools with consumers. They would have to disclose AI interactions, give notice and explanation, correction,…

HI SB2768

Relating To Health Care.

Hawaii's SB 2768 (2026) would have barred health carriers and utilization review organizations from using AI, algorithms or software tools to deny, delay or modify a determination to provide health care services, and would have required a licensed health…

HI HB2500

Relating To Artificial Intelligence.

Hawaii's HB 2500 (2026) would have added a chapter on algorithmic decision systems. Developers would have to give deployers risk disclosures; deployers would have to give notice before use and post-decision information (including the 20 most influential…

MN SF4233

Surveillance-based price and wage discrimination prohibition

Minnesota's SF 4233 would have prohibited using an automated decision system to set individualized prices for consumers or wages for workers based on surveillance data about them, with listed exceptions, and required anyone using such a system for prices or…

MN HF4521

Autonomous vehicles and on-demand autonomous vehicle networks operation authorized, and rulemaking authorized.

Not law. Minnesota's HF 4521 would have amended Minn. Stat. 169.011 and added sections 169.251 to 169.255 letting autonomous vehicles operate with annual commissioner of public safety authorization (not effective until July 1, 2027), at least $10,000,000…

MN HF3513

Autonomous vehicles regulated.

Not law. Minnesota's HF 3513 would have authorized level 4 and 5 autonomous vehicles to operate on public roads, with driverless operation requiring commissioner authorization and a first responder interaction plan, and at least $1,000,000 combined single…

MN HF2500

Algorithm and AI use prohibited during health insurance prior authorization request review.

Minnesota's HF 2500 would have barred a health carrier from using an algorithm or artificial intelligence program when deciding whether to approve or deny a prior authorization request. It would have applied to health plans offered, sold, issued or renewed…

MN SF3984

Prior authorization usage of algorithms or artificial intelligence prohibition provision

Minnesota's SF 3984 would have barred a health carrier from using an algorithm or artificial intelligence program when deciding whether to approve or deny a prior authorization request. It would have applied to health plans offered, sold, issued or renewed…

FL H0527

Mandatory Human Reviews of Insurance Claim Denials

Not law: passed the House but died in the Senate when the session ended. Florida's CS/CS/HB 527 (2026) would have let workers' compensation carriers, insurers and HMOs use AI to help process claims but barred AI from being the sole basis for denying or…

VT H0821

State: Vermont View details →

An act relating to artificial intelligence

Vermont's H.821 (2026) would have required anyone using generative AI to interact with consumers to clearly disclose, when asked, that the consumer is dealing with AI, and would have required licensed professionals to disclose high-risk generative AI…

VT H0776

State: Vermont View details →

An act relating to the use of artificial intelligence in health care coverage decisions

Vermont's H.776 (2026) would have added 18 V.S.A. 9423 on AI in health care coverage decisions. A health plan using an AI tool, algorithm or software for utilization review would have had to base determinations on the insured's clinical history and…

LA SB246

Establishes requirements for health insurance issuers using artificial intelligence or automated decision systems. (8/1/26)

Louisiana's SB246 would have set rules for health insurers, pharmacy benefit managers and independent review organizations that use AI or automated decision systems in utilization review: no use that denies, delays or modifies care, adverse determinations…

LA HB471

Provides relative to prohibiting surveillance-based price discrimination

Louisiana's HB471 would have made 'surveillance-based price discrimination' an unfair or deceptive trade practice, so that no person could engage in it. It defines surveillance data, behaviors, biometrics and automated decision systems, and exempts…

OR HB4054

State: Oregon View details →

Relating to downcoding.

Not law. Oregon HB 4054 (2026) would have required health insurers that provide utilization review to tell a provider in writing, within two business days after payment, when AI, an algorithm or other software automatically downcoded a claim, giving the…

OR HB4085

State: Oregon View details →

Relating to autonomous vehicles.

Not law. Oregon HB 4085 (2026) would have let autonomous vehicles run on Oregon highways with the driving system engaged if they can reach a minimal risk condition or request intervention, follow state vehicle law and meet federal safety standards. It would…

AR HB1816

State: Arkansas View details →

To Prohibit Healthcare Providers And Healthcare Insurers From Using Artificial Intelligence In The Delivery Of Healthcare Services Or The Generation Of Medical Records Unless Certain Requirements Are Met.

Arkansas HB 1816 (2025) would have added Ark. Code § 17-80-123 to bar healthcare providers and healthcare insurers from using artificial intelligence in delivering healthcare services or generating medical records, unless the AI is approved by the U.S. Food…

TX HB1709

Relating to the regulation and reporting on the use of artificial intelligence systems by certain business entities and state agencies; providing civil penalties.

Texas HB 1709 (2025), as introduced, the Texas Responsible Artificial Intelligence Governance Act, would have set duties for developers, distributors and deployers of high-risk AI systems that are a substantial factor in consequential decisions, with…

TX HB2922

Relating to use of artificial intelligence in utilization review conducted for health benefit plans.

Texas HB 2922 (2025), as introduced, would have barred a utilization review agent from using an artificial intelligence-based algorithm as the sole basis for a decision to wholly or partly deny, delay, or modify health care services for an enrollee on…

TX SB1411

Relating to the use of artificial intelligence-based algorithms by health benefit plan issuers, utilization review agents, health care providers, and physicians.

Texas SB 1411 (2025), as introduced, would have regulated AI-based algorithms in health coverage and care. Health benefit plan issuers and physicians could not discriminate on race, color, national origin, gender, age, vaccination status or disability using…

TX SB1822

Relating to the use of artificial intelligence-based algorithms in utilization review conducted for certain health benefit plans.

Texas SB 1822 (2025), as engrossed, would have added Insurance Code Sec. 4201.156 requiring health benefit plan issuers and their utilization review agents to disclose whether they use AI-based algorithms in utilization review, ensure the algorithm and its…

TX SB2966

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.

Texas SB 2966 (2025), as introduced, would have added Business & Commerce Code Chapter 551 requiring a private company that uses an AI system to make a consequential decision, meaning one with a material, legal or similarly significant effect on a consumer,…

US HR1007

Introduced Low Risk

Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries.

A nonbinding House resolution stating that the House Financial Services Committee should lead policymaking on AI in the financial services and housing industries. It says the committee should promote a pro-consumer, pro-investor and pro-innovation culture,…

TN SB1261

AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.

Not law. SB 1261 would have regulated how Tennessee health insurers, TennCare and state employee plans use AI, algorithms and software in utilization review. Tools would have had to base decisions on the patient's own clinical history rather than group data…

CT HB5590

An Act Prohibiting Health Insurers From Using Artificial Intelligence To Deny Health Insurance Claims.

Connecticut's HB 5590 (2025) was a short proposed bill with no operative text, stating its intent to amend the general statutes to prohibit any health insurer from using artificial intelligence to deny health insurance claims. It was referred to the…

OK HB 1916

Artificial intelligence; Responsible Deployment of AI Systems Act; AI Council; AI Regulatory Sandbox Program; Artificial Intelligence Workforce Development Program; effective date.

Oklahoma's HB 1916 (2025-26), as introduced, would have created the Responsible Deployment of AI Systems Act, covering public agencies and private entities that deploy AI systems affecting people in Oklahoma. Deployers would classify AI systems by risk…

OK SB1967

Hospital and Medical Services Utilization Review Act; requiring utilization review organization that uses AI to adhere to requirements; prohibiting AI from making certain determinations. Effective date.

Oklahoma's SB 1967 (2026), as introduced, would have amended the Hospital and Medical Services Utilization Review Act to set conditions on AI tools used in utilization review by review organizations and insurers, including that the tool not supplant provider…

IL HB2472

Effective: January 1, 2025 State: Illinois View details →

INS-ADVERSE DETERMINATION

Illinois' Public Act 103-0656 (HB 2472) is a broad health insurance act (explanation-of-benefits statements, prior authorization penalties, utilization review accreditation, adverse determinations). Its AI-related part covers algorithmic automated processes…

NY S10241

Introduced High Risk

Relates to the use of artificial intelligence by insurers and clinical peer reviewers for utilization review; establishes additional notice requirements for adverse determinations.

New York's S 10241 (same as A 11048) would add Insurance Law § 338 and amend the Insurance and Public Health Laws to regulate insurers' use of AI-based algorithms in utilization review. Insurers would give written notice of AI use, submit the algorithms and…

HI SB2167

Relating To The Hawaii Patients' Bill Of Rights And Responsibilities Act.

Hawaii's SB 2167 (2026) would have amended HRS chapter 432E, the Patients' Bill of Rights, to set prior authorization deadlines (one business day urgent, three non-urgent) and require that a denial initiated by an automated decision system be reviewed and…

SD SB169

State: South Dakota View details →

Place requirements on the use of artificial intelligence systems by health carriers in making determinations about the provision of health care services.

South Dakota's SB 169 (2026) would have required health carriers that use AI, algorithms or other software for utilization review to base determinations on the patient's clinical history and circumstances, not rely solely on a group dataset, and apply the…

MD HB795

Health Insurance - Artificial Intelligence - Grievance Process and Reporting (AI Health Insurance Accountability Act of 2026)

Maryland's HB 795 (2026, the AI Health Insurance Accountability Act of 2026) would have required a carrier's internal grievance process to provide human review of adverse decisions made with AI, algorithms or other software tools, and added reporting of…

NE LB642

State: Nebraska View details →

Adopt the Artificial Intelligence Consumer Protection Act

Not law. Nebraska LB642, introduced by Senator Bostar, would have enacted the Artificial Intelligence Consumer Protection Act. Developers and deployers of high-risk AI systems that make consequential decisions without human review would have had to use…

CT HB5587

An Act Prohibiting Health Insurers From Using Artificial Intelligence As The Primary Method To Deny Health Insurance Claims.

Connecticut's HB 5587 (Rep. Menapace) is a proposed bill that would amend the general statutes to prohibit any health insurer from using artificial intelligence as the primary method to deny health insurance claims. The text is a one-sentence statement of…

FL S0202

Mandatory Human Reviews of Insurance Claim Denials

Not law: died in committee. Florida's SB 202 would have created s. 627.4263, F.S., requiring that an insurer's decision to deny a claim or part of a claim be made by a qualified human professional who independently analyzes the facts and policy and reviews…

IL HB5918

AI USE IN HEALTH INSURANCE ACT

Illinois's HB 5918 (103rd General Assembly) would have created the Artificial Intelligence Systems Use in Health Insurance Act. An insurer could not issue an adverse consumer outcome (denial, reduction or termination of plans or benefits) resulting solely…

VA HB999

State: Virginia View details →

Virginia Human Rights Act; equal credit opportunities, Virginia Fair Housing Law, nondiscrimination.

Virginia's HB 999 (2026 Regular Session) would have made it an unlawful discriminatory practice to use an automated decision system in decisions under the Human Rights Act, equal credit law or Fair Housing Law that results in discrimination. The House…

VA HB697

State: Virginia View details →

Synthetic media; use in furtherance of crimes involving fraud, etc., report.

Virginia's HB 697 (2024 Regular Session) would have made it a Class 1 misdemeanor to use synthetic media to commit a criminal offense involving fraud, let the person depicted sue for actual damages and attorney fees, and had the Attorney General convene a…

TN SB 2010

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.

Tennessee's SB 2010 (114th General Assembly), the "Regulate Artificial Intelligence (AI) in Health Care Act," would have barred, on or after July 1, 2026, a health insurance issuer that uses AI, an algorithm or other software tool for utilization review or…

TN HB1382

AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.

Tennessee's HB 1382 (114th General Assembly) would have required a health insurance issuer that uses AI, an algorithm or other software tool for utilization review or management based on medical necessity to ensure the tool bases decisions on the enrollee's…

GA HB715

Fair and Future Ready Housing Act; enact

Georgia's HB 715, the Fair and Future Ready Housing Act, would add Code section 8-3-224 to the fair housing law. Discriminatory housing practices resulting from AI or automated decision tools would be prohibited, reliance on such tools would not be a…

GA HB887

Insurance; use of artificial intelligence in making certain decisions regarding coverage; prohibit

Georgia's HB 887 (2023-2024 session) would have barred coverage determinations, healthcare actions and public-assistance decisions based solely on the results of AI or automated decision tools, and required that such decisions be meaningfully reviewed by an…

GA SB164

Trade Practices; surveillance based price discrimination and surveillance based wage discrimination; prohibit

Georgia's SB 164 would add Article 37 to Title 10, Chapter 1, prohibiting 'surveillance based price discrimination' and 'surveillance based wage discrimination', meaning use of an automated decision system to set individualized prices or wages based on…

OH HB579

State: Ohio View details →

Regulate the use of artificial intelligence by health insurers

Ohio's HB 579, the House companion to SB 164 with identical text, would add section 3902.80 requiring health plan issuers to report annually to the superintendent of insurance on their use of AI-based algorithms in utilization review, and barring decisions…

IN SB0163

State: Indiana View details →

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.

PA SB649

Effective: September 5, 2025 State: Pennsylvania View details →

An Act amending Title 18 (Crimes and Offenses) of the Pennsylvania Consolidated Statutes, in forgery and fraudulent practices, providing for the offense of digital forgery.

Pennsylvania's Act 35 of 2025 adds 18 Pa.C.S. 4101.1, digital forgery. A person commits it by generating or creating and distributing a "forged digital likeness" as genuine, knowing or having reason to know it is forged, with intent to defraud or injure…

SD HB1095

State: South Dakota View details →

An Act to establish provisions for the operation of automated motor vehicles.

South Dakota's 2024 HB 1095 creates a framework for automated motor vehicles. A fully autonomous vehicle (SAE J3016 level 4 or 5) may operate on public roads without a human driver if its automated driving system is engaged, it can reach a minimal risk…

LA HR317

Creates a subcommittee of the House of Representatives to study artificial intelligence, blockchain, and cryptocurrency

Louisiana's HR 317 is a House resolution, adopted as amended 90-0 on June 10, 2025. Despite its short title, the adopted text does not create a subcommittee: it urges and requests the House Committee on Commerce to study the impact of artificial…

US HB1734

Preventing Deep Fake Scams Act

The federal H.R. 1734 (Preventing Deep Fake Scams Act) would create a Task Force on Artificial Intelligence in the Financial Services Sector, chaired by the Treasury Secretary, to report to Congress within 1 year of enactment on how banks and credit unions…

NY A10364

Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.

New York's A 10364 would amend Insurance Law § 2313 and add § 2304-a so that insurers that offer or use telematics systems (technology that monitors, stores and transmits information such as vehicle location, driver behavior, engine performance and…

NY A09219

Requires experts in professional fields to be consulted when developing and maintaining artificial intelligence technology for use in such fields.

New York's A 9219 would add General Business Law §§ 1710 to 1715. A developer of AI intended for a professional domain regulated under Title Eight of the Education Law would have to show that a licensed professional domain expert with three or more years of…

TX HB4635

Relating to disclosure of the use of artificial intelligence in the denial of insurance claims.

Texas HB 4635 (Rep. Garcia Hernandez) would have required an insurer or health maintenance organization that denies a claim based on a determination made by artificial intelligence to give the claimant, with the denial notice, a written disclosure that AI…

NY A04427

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…

New York's A 4427 would add Insurance Law § 2403-a barring insurers from unfairly discriminating on protected characteristics and, under Superintendent rules, from using external consumer data, algorithms or predictive models in ways that do. The…

RI H8073

State: Rhode Island View details →

Provides that health insurance plans would provide coverage the use of artificial intelligence technology for analysis of breast tissue diagnostic imaging.

Rhode Island H 8073 (2024), as introduced on March 15, 2024, would require individual and group health insurance contracts and plans delivered, issued or renewed in Rhode Island on or after January 1, 2025 to cover the use of AI technology for analysis of…

TX SB 441

Effective: September 1, 2025 State: Texas View details →

Relating to criminal and civil liability related to sexually explicit media and artificial intimate visual material; creating a criminal offense; increasing a criminal penalty.

Texas's SB 441 widens the Penal Code § 21.165 crime from deep fake videos to any deep fake media made or altered with AI or other technological means. Knowingly producing or distributing sexually explicit deep fake media of a person without signed written…

LA SB362

Provides that surveillance-based price discrimination is an unfair or deceptive trade practice or act. (8/1/26)

Louisiana's SB362 would have made 'surveillance-based price discrimination' an unfair or deceptive trade practice, so that no person could engage in it. The bill defines surveillance data, behaviors and biometrics, mentions automated decision systems, and…

MN SF4618

Operation of certain autonomous vehicles and on-demand autonomous vehicle networks authorization

Not law. Minnesota's SF 4618 (1st engrossment) would have created Minn. Stat. chapter 169B letting autonomous vehicles operate with commissioner of public safety authorization, requiring at least $10,000,000 combined single limit liability coverage and…

NV AB295

State: Nevada View details →

Revises provisions relating to health insurance. (BDR 57-238)

Nevada's AB 295 (2025) would have set prior authorization deadlines for health carriers (5 days non-urgent, 48 hours urgent, replacing 20 days) and required carriers using AI or automated decision tools for prior authorization to notify insureds in writing,…

IN HB1201

State: Indiana View details →

Various mental health and insurance matters.

Indiana's HB 1201 (2026) would have barred using an AI system to impersonate or substitute for a licensed mental health professional in interactions that must be performed by one (discipline under IC 25-1-9; a board could impose a civil penalty of up to…

MN SF4760

Omnibus Public Safety policy bill (Laws 2026, chapter 97), including article 3, section 3 adding forged digital likenesses to the identity theft statute (Minn. Stat. 609.527)

Minnesota's Laws 2026, chapter 97 (public safety policy) brings deepfakes into identity theft law. Article 3, section 3 amends Minn. Stat. 609.527, subd. 1 to define a "forged digital likeness": a recording, image or photograph (or a technological…

MN HF4188

Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 barring utilization review organizations from using artificial intelligence exclusively to make adverse determinations

Minnesota's 2026 commerce omnibus (Laws 2026, chapter 124) adds an AI rule to the state's utilization review law. Article 3, section 6 amends Minn. Stat. 62M.09, subd. 3 to prohibit a utilization review organization from exclusively using artificial…

WA HB2676

Effective: June 11, 2020 State: Washington View details →

Establishing minimum requirements for the testing of autonomous vehicles.

Washington's Chapter 182, Laws of 2020 (ESHB 2676) sets minimum rules for testing autonomous vehicles on public roads under the Department of Licensing self-certification pilot program. Testers must carry at least $5 million in umbrella liability insurance…

AZ SB1295

State: Arizona View details →

An Act amending section 13-2006, Arizona Revised Statutes; relating to forgery.

Arizona's SB 1295 (Laws 2025, Ch. 184) adds a new form of criminal impersonation to A.R.S. 13-2006: using a computer-generated voice recording, image or video of another person with intent to defraud others. It is a class 5 felony, one level above the other…

CO SB189

Enacted High Risk

Automated Decision-Making Technology

Colorado's SB 26-189 repeals and reenacts the 2024 AI Act as rules for automated decision-making technology (ADMT) that materially influences consequential decisions such as hiring, lending, housing and health care. Developers must document covered ADMT for…

Effective: January 1, 2027 State: Colorado View details →

KS SB313

Effective: July 1, 2022 State: Kansas View details →

AN ACT concerning motor vehicles; relating to autonomous motor vehicles; providing for the use and regulation thereof; establishing the autonomous vehicle advisory committee; amending K.S.A. 2021 Supp. 8-2106 and 8-2204 and repealing the existing sections.

Kansas SB 313 (L. 2022, ch. 93, K.S.A. 8-2901 et seq.) authorizes driverless-capable vehicles. A vehicle with an automated driving system that can perform the entire driving task and reach a minimal-risk condition may operate without a human driver, subject…

DC B23-0232

Effective: December 23, 2020 State: District of Columbia View details →

Autonomous Vehicles Testing Program Amendment Act of 2020 (D.C. Law 23-156)

D.C. Law 23-156, the Autonomous Vehicles Testing Program Amendment Act of 2020, amends the Autonomous Vehicle Act of 2012 (D.C. Code 50-2351 et seq.). It defines an autonomous driving system and autonomous vehicle and has the District Department of…

OK HB3675

Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.

Oklahoma's HB 3675 (2026), as introduced, would have required a qualified human professional to review any adverse determination made by an algorithm, AI system or automated decision system in utilization review before it is finalized, let the Insurance…

DC B25-0577

Effective: March 21, 2025 State: District of Columbia View details →

Public Life and Activity Zones Amendment ("PLAZA") Act of 2024 (D.C. Law 25-312)

Section 6 of D.C. Law 25-312, the PLAZA Act of 2024, amends the Autonomous Vehicle Act of 2012. No person or entity may test or operate an autonomous vehicle on a District roadway without an AV testing permit. Until DDOT makes the permit application…

KS HB2591

State: Kansas View details →

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.

WV HB4787

Effective: June 10, 2022 State: West Virginia View details →

AN ACT to amend the Code of West Virginia Code, 1931, as amended, by adding thereto a new chapter, designated §17H-1-1, §17H-1-2, §17H-1-3, §17H-1-4, §17H-1-5, §17H-1-6, §17H-1-7, §17H-1-8, §17H-1-9, §17H-1-10, §17H-1-11, §17H-1-12, §17H-1-13, §17H-1-14, and §17H-1-15, all relating to establishing the Fully Autonomous Vehicle Act; defining terms; providing for construction of the act; providing requirements for the operation of fully autonomous vehicles without a human driver and with a human driver; providing for the operation of on-demand autonomous vehicle networks; providing for the operation of fully autonomous commercial and motor vehicle carriers; providing for the platooning of fully autonomous vehicles; providing for licensing, titling, registration, and insurance requirements of fully autonomous vehicles; providing for control and regulation of fully autonomous vehicles; providing for equipment standards for fully autonomous vehicles; and providing duties following a crash involving fully autonomous vehicles.

West Virginia's Fully Autonomous Vehicle Act (new Chapter 17H) authorizes self-driving vehicles on public roads. A fully autonomous vehicle may run without a human driver if its automated driving system can reach a minimal risk condition on failure, and the…

ME LD1301

State: Maine View details →

An Act to Prohibit the Use of Artificial Intelligence in the Denial of Health Insurance Claims

Not law. Maine's LD 1301 would have set conditions, beginning January 1, 2026, on health insurance carriers and their contractors that use artificial intelligence in medical or utilization review decisions to approve, deny, delay or modify coverage. Despite…

CT SB1295

Effective: July 1, 2026 State: Connecticut View details →

An Act Concerning Broadband Internet, Gaming, Social Media, Online Services and Consumer Contracts

Public Act 25-113 overhauls the Connecticut Data Privacy Act's rules on automated decision-making. From July 1, 2026, consumers can opt out of profiling used for any automated decision with legal or similarly significant effects (housing, insurance, health…

IA SF302

Effective: July 1, 2019 State: Iowa View details →

An Act relating to motor vehicles operated by an automated driving system, and making penalties applicable.

Iowa's 2019 Acts chapter 75 (SF 302), codified at Iowa Code 321.514 to 321.519, sets rules for vehicles driven by an automated driving system, defined as the hardware and software collectively capable of performing the entire dynamic driving task on a…

WA SB5395

Enacted Low Risk

Making improvements to transparency and accountability in the prior authorization determination process.

Chapter 157, Laws of 2026 regulates AI in health insurance prior authorization (RCW 48.43.830 for carriers and RCW 41.05.845 for public employee plans). AI may not be the sole means of denying, delaying or modifying care, and algorithms may approve requests…

Effective: June 11, 2026 State: Washington View details →

OK SB2038

Health Insurance; prohibiting issue of outcomes with AI; requiring decisions to be made by provider; requiring disclosures. Emergency.

Oklahoma's SB 2038 (2026), as introduced, would have barred a health insurance issuer from issuing an adverse consumer outcome (denial, reduction or termination of coverage or benefits) that results from an AI system, required a licensed professional to…

AL SB226

Effective: October 1, 2024 State: Alabama View details →

Motor vehicles, use of motor vehicles equipped with an automated driving system.

Alabama's SB 226 (Act 2024-453) allows vehicles equipped with an automated driving system (ADS) to run on public roads without a conventional human driver on board if the vehicle can reach a minimal risk condition. A fully autonomous vehicle (SAE Level 4 or…

CA SB1120

State: California View details →

Health care coverage: utilization review.

SB 1120 amended Health and Safety Code 1367.01 and Insurance Code 10123.135. Health plans and disability insurers that use an AI, algorithm or other software tool for utilization review must ensure it bases decisions on the enrollee's medical history and…

IL HB5395

Effective: January 1, 2025 State: Illinois View details →

NETWORK ADEQUACY-STANDARDS

The Health Care Protection Act is a broad health insurance reform covering network adequacy, prior authorization, step therapy and short-term plans. Its automated decision provision amends Section 85 of the Managed Care Reform and Patient Rights Act (215…

TX SB2373

Effective: September 1, 2025 State: Texas View details →

Relating to financial exploitation or financial abuse using artificially generated media or phishing communications; providing a civil penalty; creating a criminal offense.

Texas SB 2373 (2025) targets deepfake scams. It defines artificially generated media as images, audio, video, text or other media created or modified with AI or other software with intent to deceive. A person harmed by knowing or intentional dissemination of…

CO SB21-169

Effective: September 7, 2021 State: Colorado View details →

Concerning protecting consumers from unfair discrimination in insurance practices.

Colorado SB 21-169 bars insurers from unfairly discriminating based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity or gender expression in any insurance practice, and from using external consumer…

RI H8060

Effective: June 23, 2026 State: Rhode Island View details →

Relating to Criminal Offenses -- Impersonation and Identity Fraud

Rhode Island's 2026 identity fraud amendment defines a forged digital likeness as a computer- or other electronic system-generated visual representation of an identifiable person, or an audio recording of their voice, made to closely resemble a genuine one,…

RI S3338

Effective: June 23, 2026 State: Rhode Island View details →

Relating to Criminal Offenses -- Impersonation and Identity Fraud

NY A01273

Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.

New York's A 1273 (2025-2026) would add Insurance Law section 2619 barring motor vehicle insurers from using classification plans, rules, rates or rating plans based in whole or in part on listed factors (age, marital status, sex, sexual orientation,…

VA HB437

Effective: July 1, 2026 State: Virginia View details →

Insurance; standards of conduct for public adjusters, unauthorized practice of public adjusting.

Virginia HB 437 (Chapter 142 of 2026) tightens rules for public adjusters, who negotiate property insurance claims for policyholders. Its AI-relevant provision is Va. Code § 38.2-1845.23 D: a written or electronic ad that uses an unlicensed spokesperson must…

CT SB817

An Act Prohibiting Health Insurers From Using Software Tools To Automatically Downcode Health Insurance Claims.

Connecticut's Proposed SB 817 (2025), introduced by Sen. Looney, would have amended title 38a of the general statutes to prohibit any health insurer from using a software tool, including artificial intelligence or an algorithm, to automatically downcode or…

FL H0311

Effective: July 1, 2019 State: Florida View details →

Autonomous Vehicles

Florida's HB 311 lets fully autonomous vehicles operate in Florida whether or not a human operator is in the vehicle, needing no licensed human operator, and deems the automated driving system the operator when engaged. Fully autonomous vehicles must be able…

KS SB467

State: Kansas View details →

Enacting the use of artificial intelligence in medical decisions transparency act and requiring that all medical necessity determinations be made by a competent licensed physician or healthcare professional.

Kansas's SB 467 (2026) would have enacted the Use of Artificial Intelligence in Medical Decisions Transparency Act. Health insurers and utilization review organizations using AI, algorithms or software tools for utilization review would have had to ensure…

MO SB1050

State: Missouri View details →

Creates new provisions governing autonomous vehicles

Missouri's SB 1050 would let a person operate a fully autonomous vehicle on public roads without a human driver while the automated driving system is engaged, if the vehicle can reach a minimal risk condition after a system failure, can comply with state…

MD HB697

Health Insurance - Artificial Intelligence, Adverse Decisions, and Grievances - Reporting Requirements

Maryland's HB 697 (2025) would have required each health insurance carrier to report quarterly to the Insurance Commissioner on how it creates, deploys and uses artificial intelligence or automated decision-making systems (new Insurance section 15-147), and…

MD HB1477

Consumer Protection - Consumer Reporting Agencies - Use of Algorithmic Systems

Maryland's HB 1477 (2025) would have added Commercial Law section 14-1228 for consumer reporting agencies that use algorithmic systems to assemble or evaluate consumer information. They would have had to give plain-language explanations, keep a public…

HI SB2953

Relating To Insurance.

Hawaii's SB 2953 (2026) would have set rules for insurers' use of AI: a written AI governance program, testing and monitoring, clinician review of AI-supported adverse health determinations, and limits on adverse residential property underwriting actions…

IL HB0035

AI USE IN HEALTH INSURANCE ACT

Illinois's HB 35 (engrossed, with House Floor Amendment 1) would create the Artificial Intelligence Systems Use in Health Insurance Act. A health insurance issuer could not issue an adverse consumer outcome denying, reducing or terminating coverage or…

NJ S1029

Requires collection of data by health insurers regarding health insurance claims and decisions made using automated utilization management systems.

New Jersey's S1029 would require health insurers (payers) to keep and report data on claims, including denials, appeals and prior-authorization outcomes, and would make them disclose whether they use an automated utilization management system (a system that…

HI HB1607

Relating To Algorithmic Discrimination.

Hawaii's HB 1607 (2024) would have added an Algorithmic Discrimination chapter. Covered entities (those holding data on more than 25,000 residents, over $15,000,000 in receipts, data brokers, or service providers) could not use algorithmic processes using…

IL HB4735

TRANSPARENCY IN DOWNCODING ACT

Illinois's HB 4735 (104th General Assembly) would create the Transparency in Downcoding Act for certain health insurance policies. A health insurance issuer could not use an automated process, system or tool to downcode a claim, or downcode based solely on…

IL SB 3364

HUMAN RIGHTS-AI-VIOLATIONS

Illinois's SB 3364 (104th General Assembly) would amend the Illinois Human Rights Act to make it a civil rights violation for an owner, broker or agent to use AI in a real estate transaction without telling the other party, to fail to tell a loan or credit…

IL SB 1425

AI USE IN HEALTH INSURANCE ACT

Illinois's SB 1425 (104th General Assembly) would create the Artificial Intelligence Systems Use in Health Insurance Act. It would place an insurer's use of AI systems to make or support adverse determinations under Department of Insurance oversight, bar…

VA SB571

State: Virginia View details →

Synthetic media; expands applicability of provisions related to defamation, etc., penalty.

Virginia's SB 571 (2024 Regular Session) would have extended defamation, slander and libel provisions to synthetic media and made it a Class 1 misdemeanor to generate, create or use deceptive audio or visual media to commit a fraud offense, with a rebuttable…

HI SB2524

Relating To Algorithmic Discrimination.

Hawaii's SB 2524 (2024) would have added an Algorithmic Discrimination chapter. Covered entities (those holding data on more than 25,000 residents, over $15,000,000 in receipts, data brokers, or service providers) could not use algorithmic processes using…

RI SB2010

State: Rhode Island View details →

AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIAL INTELLIGENCE USE BY HEALTH INSURERS TO MANAGE COVERAGE AND CLAIMS ACT

Rhode Island's proposed Transparency and Accountability in AI Use by Health Insurers to Manage Coverage and Claims Act. Health insurers, and contractors acting for them, would have to disclose to the health insurance commissioner and DBR how they use AI in…

HI SCR184

Requesting The Hawaii Civil Rights Commission To Examine The Applicability Of Existing State Anti-discrimination Laws To Algorithmic And Automated Decision Systems.

Hawaii's Senate Concurrent Resolution 184 (2026) asks the Hawaiʻi Civil Rights Commission to examine how existing state anti-discrimination laws apply to algorithmic and automated decision systems, including AI tools used in employment screening, tenant…

NY A08556

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.

New York's A 8556 would add Public Health Law § 4905-a and Insurance Law § 4905-a. A utilization review agent or disability insurer using AI, an algorithm or another software tool for utilization review based on medical necessity would have to base…

NY A05429

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…

New York's A 5429-A (the "New York workforce stabilization act") would add Labor Law § 201-j barring employers (in-state businesses with more than 100 employees) from using AI without an impact assessment, repeated every two years and submitted to the…

UT SB226

Effective: May 7, 2025 State: Utah View details →

Artificial Intelligence Consumer Protection Amendments

Utah's SB 226 replaces the 2024 generative AI disclosure rules with Utah Code Title 13, Chapter 75. A supplier using generative AI with an individual in a consumer transaction must disclose it is AI, not a human, if the individual clearly asks. Regulated…

AR HB1297

State: Arkansas View details →

Concerning Artificial Intelligence, Algorithms, And Other Automated Technologies; And To Regulate Certain Practices Of Healthcare Insurers.

Arkansas HB 1297 (2025), as engrossed, would have added a subchapter (Ark. Code §§ 23-63-2101 to 2113) regulating healthcare insurers' use of AI and automated decision-making in utilization review. Insurers would have had to disclose algorithm details from…

CT SB447

An Act Prohibiting Health Carriers From Using Artificial Intelligence In The Evaluation And Determination Of Patient Care.

Connecticut's SB 447 (2025) was a short proposed bill with no operative text, stating its intent to amend title 38a of the general statutes to prohibit health carriers from using artificial intelligence in the evaluation and determination of patient care, to…

NY A03991

Establishes requirements for the use of artificial intelligence, algorithm, or other software tools in utilization review and management; defines artificial intelligence.

New York's A 3991 would add Insurance Law § 3224-e and define artificial intelligence in Insurance Law § 107(a). A health care service plan using an AI, algorithm or other software tool for utilization review or management would have to ensure it bases…

NV SB288

Effective: June 10, 2021 State: Nevada View details →

Revises provisions relating to transportation network companies. (BDR 58-935)

Nevada's SB 288 lets a transportation network company (TNC) contract with monitored autonomous vehicle providers, who own and operate autonomous vehicles with an employed monitor physically present at all times, to give rides through the TNC's app largely on…

IL HB5116

AUTOMATED DECISION TOOLS

Illinois's HB 5116 (103rd General Assembly) would have created the Automated Decision Tools Act. On or before January 1, 2026, and annually after, a deployer of an automated decision tool would have to perform an impact assessment, notify people subject to a…

NY A03993

Prohibits discrimination through the use of clinical algorithms; provides exceptions for clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate, and address health disparities.

New York's A 3993 would add Insurance Law § 3243-a providing that an insurer subject to the article shall not discriminate on the basis of race, color, national origin, sex, age or disability through the use of clinical algorithms in its decision-making,…

GA SR391

Senate Study Committee on Artificial Intelligence and Digital Currency; create

Georgia's SR 391 is a Senate resolution, adopted 52-0 on April 2, 2025, that created the Senate Study Committee on Artificial Intelligence and Digital Currency: six members appointed by the President of the Senate, who names a legislative member as chair. It…

HI SR165

Requesting The Hawaii Civil Rights Commission To Examine The Applicability Of Existing State Anti-discrimination Laws To Algorithmic And Automated Decision Systems.

Hawaii's Senate Resolution 165 (2026) asks the Hawaiʻi Civil Rights Commission to examine how existing state anti-discrimination laws apply to algorithmic and automated decision systems, including AI tools used in employment screening, tenant selection,…

NY A01456

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…

New York's A 1456 would add Insurance Law § 338 requiring accident and health insurers, Article 43 corporations and Article 44 HMOs to tell insureds on their public websites about their use or lack of use of AI-based algorithms in utilization review, to…

NY A8884

Introduced High Risk

Relates to the development and use of certain artificial intelligence systems

New York's A 8884-A, the "New York AI act," would add Civil Rights Law §§ 105 to 115. Developers and deployers of high-risk AI used in consequential decisions (e.g. jobs, education, housing, health care, finance) would have to take reasonable care to prevent…

NY A11048

Relates to the use of artificial intelligence by insurers and clinical peer reviewers for utilization review; establishes additional notice requirements for adverse determinations.

New York's A 11048 would add Insurance Law § 338 on AI-based algorithms in utilization review. Insurers would have to notify insureds, enrollees and providers of AI use, submit their algorithms and training data to the Superintendent with a certification,…

NY S01962

Enacts the "New York artificial intelligence consumer protection act", in relation to preventing the use of artificial intelligence algorithms to discriminate against protected classes.

New York's S 1962, the New York artificial intelligence consumer protection act, would add General Business Law Article 45-A (sections 1550 to 1556). From January 1, 2027, developers and deployers of high-risk AI decision systems that make or substantially…

US HB6306

Introduced High Risk

AI Fraud Deterrence Act

The federal H.R. 6306 (AI Fraud Deterrence Act) would add higher criminal penalties when mail fraud, wire fraud, bank fraud or money laundering is committed with the assistance of artificial intelligence, and would add a penalty of a fine of not more than…

NY S08115

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.

New York's S 8115-C would add Banking Law section 103-a on automated lending decision-making tools used by banking organizations, licensed foreign and interstate branches and licensed lenders (national and federal institutions are excluded). Covered entities…

NY S05486

Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.

New York's S 5486 would add Insurance Law § 2304-a requiring insurers that use telematics systems, and third-party developers and vendors of them, to explain to the Superintendent how model or algorithm factors relate to risk, publicly disclose scoring…

NY S04082

Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.

New York's S 4082 would add Insurance Law § 2619 barring motor vehicle insurers from basing classification plans, rates or rating plans, in whole or in part, on eleven listed factors, including age, marital status, sex, education, occupation, income, credit…

NY A00773

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.

New York's A 773-C would add Banking Law § 103-a requiring covered banking organizations and licensed lenders that use automated lending decision-making tools to commission an annual independent impact assessment and post a summary report, report…

MA S2632

Relative to the use of artificial intelligence and other software tools in healthcare decision-making

Massachusetts S2632 would bar AI from denying, delaying or modifying health care on medical-necessity grounds, requiring a licensed professional to decide, and would limit AI in therapy: licensed therapists may use it only for administrative or supplementary…

SC S0963

Artificial intelligence, consumer protection

South Carolina's S 963 would enact the Consumer Protections in Interactions with Artificial Intelligence Systems Act (Chapter 31 of Title 37). Developers and deployers of high-risk AI systems used in consequential decisions would owe a duty of reasonable…

SC S0443

Health Claims & AI

South Carolina's S 443 would add Section 38-59-23 on health care coverage decisions made with artificial intelligence. Actions on coverage decisions could not be based solely on AI results or an automated decision-making tool, and a health care professional…

MS HB1717

State: Mississippi View details →

Mississippi Medical Judgement Protection Act; create.

Mississippi's HB 1717 (2026), the Mississippi Medical Judgment Protection Act, would require a provider or facility whose clinical AI materially contributes to a diagnosis, treatment plan, order or clinical note to disclose that in the medical record and…

MA H94

In Committee Low Risk

To ensure accountability and transparency in artificial intelligence systems

Massachusetts H94 would add G.L. Chapter 93M requiring developers and deployers of high-risk AI systems used in consequential decisions (education, employment, lending, housing, health care, insurance, legal and government services) to guard against…

WA SB6284

Providing consumer protections for artificial intelligence systems.

Washington's SB 6284 (1st substitute, 2026 session) would have required developers and deployers of high-risk AI systems used to make, or be a substantial factor in, consequential decisions on employment, housing, insurance, health care, education, lending,…

WA SB6120

Regulating high-risk artificial intelligence system development, deployment, and use.

Washington's SB 6120 (2026 session), the Senate companion to HB 2157, would have required developers and deployers of high-risk AI systems, those intended to make or be a substantial factor in consequential decisions such as employment, lending, housing,…

MA S36

To provide accountability in the use of biometric recognition technology and comprehensive enforcement

Massachusetts S36 would add G.L. Chapter 110I regulating biometric recognition technology: covered entities owe duties of loyalty, care and confidentiality, may not sell biometric data, and may not install biometric recognition equipment in places open to…

IA HSB294

State: Iowa View details →

A bill for an act relating to artificial intelligence, including the use of artificial intelligence to create materials related to elections and protections in interactions with artificial intelligence systems, and making penalties applicable.

Iowa's HSB 294 would require a disclosure on AI-generated election material that advocates for or against a candidate or ballot issue, and would create Code chapter 554I requiring developers and deployers of high-risk AI systems to use reasonable care…

FL S0794

Mandatory Human Reviews of Insurance Claim Denials

Florida's CS/SB 794 (Banking and Insurance Committee; Bradley) would require an insurer's decision to deny a claim or part of a claim to be made by a qualified human professional and bar algorithms, AI and machine learning systems from being the sole basis…

FL S712

Autonomous Vehicles

Florida's CS/SB 712 (2018, committee substitute) would have let a fully autonomous vehicle operate in Florida whether or not a licensed human operator is physically present, with the automated driving system deemed the operator. It would have required fully…

AL HB515

State: Alabama View details →

Artificial intelligence; regulate use in health coverage decisions

Alabama's HB 515 (2025, as introduced) would have limited how health insurers use AI, algorithms or other software in utilization review. Medical necessity determinations would always have been made by a licensed physician or other competent health care…

MI HB4536

State: Michigan View details →

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.

Michigan's HB 4536 would add section 3406ss to the Insurance Code of 1956 providing that an insurer that delivers, issues for delivery, or renews in Michigan a health insurance policy shall not deny, modify, or delay a claim based on a review using…

MI HB4537

State: Michigan View details →

Human services: medical services; use of artificial intelligence tools to make decisions regarding claims; prohibit. Amends 1939 PA 280 (MCL 400.1 - 400.119b) by adding sec. 107b.

Michigan's HB 4537 would add section 107b to the social welfare act (1939 PA 280) providing that the department or a contracted health plan shall not deny, modify, or delay a claim under the medical assistance program based on a review using artificial…

US SB3982

AI Fraud Accountability Act of 2026

The federal S. 3982 (AI Fraud Accountability Act of 2026) would make it a federal crime, punishable by up to 3 years in prison and a fine, to pose falsely as a real or imaginary person in an AI-made or other computer-generated audio or visual impersonation,…

RI H7190

State: Rhode Island View details →

Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.

Rhode Island H 7190 (2026), as introduced on January 21, 2026, would add chapter 27-84 requiring health insurers to disclose to OHIC and DBR how they use AI to manage claims and coverage and to keep records of AI decisions for at least five years. A…

MA H1210

Relative to AI health communications and informed patient consent

Massachusetts' H 1210 would give patients the right to be told when health information they get was generated by AI, with instructions for reaching a human provider if the provider had not reviewed it. Health insurance carriers would have to disclose AI or…

US SB2081

In Committee Low Risk

RISE Act of 2025 Responsible Innovation and Safe Expertise Act of 2025

The RISE Act would shield AI developers from civil liability for errors made by their AI products when licensed or certified professionals use them to serve clients, if the developer publishes a model card and its model specification (including system…

NH HB1406

State: New Hampshire View details →

Relative to health carrier recordkeeping requirements in utilization review, including specifications regarding the use of artificial intelligence.

New Hampshire's HB 1406 (2026), as amended by the House, would require health carriers to keep written records on their use of algorithms and AI in utilization review and require adverse determinations, including payment reductions and down coding, to be…

NJ S2324

Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.

New Jersey's S2324 would extend the State's no-fault Automobile Reparation Reform Act and compulsory liability insurance requirement to self-driving vehicles capable of operating without active control or monitoring by a human operator, so their owners would…

IN HB1620

State: Indiana View details →

Disclosure of artificial intelligence use in health care.

Indiana's HB 1620 would have required a health care provider that uses AI technology to make or inform any decision in a patient's care, or to generate any part of a communication to the patient (including through a chat bot), to disclose that use to the…

NJ A1639

Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.

New Jersey's A1639 would extend the State's compulsory automobile liability insurance requirement and the no-fault Automobile Reparation Reform Act to self-driving motor vehicles of any SAE automation level, so their owners would have to carry the same…

PA SB1113

State: Pennsylvania View details →

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.

Pennsylvania's SB 1113 (2025-26) would add rules for AI in health care facilities, AI use by insurers and AI use by MA or CHIP managed care plans, with duties for the departments of Health, Insurance and Human Services and penalties. The captured text covers…

MA S33

Establishing the Comprehensive Massachusetts Consumer Data Privacy Act

Massachusetts S 33 would create a comprehensive consumer data privacy act. After a joint committee hearing on April 9, 2025, the committee folded it into new draft S2516 on May 12, 2025, so S33 itself does not move further. The successor, redrafted as S2608…

MI SB0359

State: Michigan View details →

Consumer protection: privacy; personal data privacy act; create. Creates new act.

Michigan's SB 359 would create a Personal Data Privacy Act giving consumers rights over personal data, including opting out of profiling in furtherance of solely automated decisions with legal or similarly significant effects. Introduced June 5, 2025 and…

MA H97

In Committee Low Risk

Protecting consumers in interactions with artificial intelligence systems

Massachusetts's H 97 would add Chapter 93M requiring developers and deployers of high-risk AI systems (those making or substantially influencing decisions on education, employment, finance, government services, health care, housing, insurance or legal…

Passed One Chamber High Risk

NY S01169

Regulates the development and use of certain artificial intelligence systems to prevent algorithmic discrimination; requires independent audits of high risk AI systems; provides for enforcement by the attorney general as well as a private right of action.

New York's S 1169-B would regulate high-risk AI systems used in consequential decisions on employment, education, housing, health, finance and legal services. Developers and deployers would have to take reasonable care against algorithmic discrimination,…

NY A09654

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…

New York's A 9654 (the New York Artificial Intelligence Civil Rights Act) would bar developers and deployers from using covered algorithms in consequential actions (such as employment, housing, credit, health care, insurance, education, criminal justice and…

US SB2997

Right to Override Act

The federal S. 2997 (Right to Override Act) would require covered entities that employ or engage health care professionals and use AI clinical decision support (AI/CDSS) to adopt an override policy, train staff and run an AI/CDSS committee, and would bar…

OH SB164

State: Ohio View details →

Regulate the use of artificial intelligence by health insurers

Ohio's SB 164 would add section 3902.80 requiring health plan issuers to report annually to the superintendent of insurance on their use of AI-based algorithms in utilization review, and barring decisions about a covered person's care, including denials,…

US SB3308

Artificial Intelligence Civil Rights Act of 2025

The federal S. 3308 (Artificial Intelligence Civil Rights Act of 2025) would bar developers and deployers from offering or using a covered algorithm in a way that causes or contributes to disparate impact or otherwise discriminates based on a protected…

US HB5511

Algorithmic Accountability Act of 2025

The federal H.R. 5511 (Algorithmic Accountability Act of 2025) would direct the FTC to issue regulations within 2 years requiring covered entities to assess the impact of covered algorithms before and after deployment and file summary reports. Covered…

US SB2528

Unleashing AI Innovation in Financial Services Act

The federal S. 2528 (Unleashing AI Innovation in Financial Services Act) would require each federal financial regulatory agency to establish, or identify an office to serve as, an AI Innovation Lab where regulated entities may apply to run AI test projects…

US HJR51

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".

The federal H.J.Res. 51 is a joint resolution under the Congressional Review Act that would disapprove the Bureau of Consumer Financial Protection rule "Quality Control Standards for Automated Valuation Models" (89 Fed. Reg. 64538, August 7, 2024). If…

CO HB 1139

Effective: January 1, 2027 State: Colorado View details →

Use of Artificial Intelligence in Health Care

Colorado's HB 26-1139 regulates AI in utilization review. Insurers, PBMs, utilization review organizations, behavioral health administrative services organizations and managed care entities that use it must ensure the AI relies on the individual's clinical…

US HB9309

Unleashing AI Innovation in Financial Services Act

The federal H.R. 9309 (Unleashing AI Innovation in Financial Services Act) would have required each financial regulatory agency to set up a regulatory sandbox where regulated entities could test AI projects with waivers of rules. Agencies would have had 90…

KY HB7

State: Kentucky View details →

AN ACT relating to autonomous vehicles.

Kentucky's HB 7 (2024 Ky. Acts Ch. 176), enacted over the Governor's veto, sets rules for fully autonomous vehicles in KRS Chapter 186. Vehicles with automated driving systems may operate on public highways if they meet the act's requirements, including a…

NY A09149

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…

New York's A 9149 (2023-2024 session) would have added Insurance Law § 338. Accident and health insurers, article 43 corporations and certified HMOs would have had to post on their websites whether they use AI-based algorithms in utilization review, submit…

State: Kentucky View details →

KY HB135

Vetoed Medium Risk

AN ACT relating to autonomous vehicles.

Vetoed. Kentucky's HB 135 (2023) would have let fully autonomous vehicles (SAE level 4 or 5) run on Kentucky highways without a human driver if the system could reach a minimal risk condition after a failure and follow traffic laws. Operators would have…

MA H78

Establishing the Massachusetts consumer data privacy act

Massachusetts H 78 would create the Massachusetts Consumer Data Privacy Act, giving consumers rights over personal data, including opting out of profiling for solely automated decisions with legal or similarly significant effects. After a hearing on April 9,…

IL SB3114

Effective: January 1, 2028 State: Illinois View details →

TRANSPARENCY IN DOWNCODING ACT

The Transparency in Downcoding Act regulates how health care payors reduce the billing code on medical claims. Section 15 prohibits a payor from implementing any policy or using any algorithm or other automated process, system or tool that bypasses…

NE LR430

State: Nebraska View details →

Interim study to examine the impact of artificial intelligence on Nebraska's private and public sectors, including the technology and insurance sectors

Not a law. Nebraska LR430 (2024), introduced by Senator Bostar, is an interim study resolution that designated the Banking, Commerce and Insurance Committee to study the impact of artificial intelligence on Nebraska's private and public sectors, including…

US SB2164

Algorithmic Accountability Act of 2025

The federal S. 2164 (Algorithmic Accountability Act of 2025) would direct the FTC to issue regulations within 2 years requiring covered entities that deploy automated decision systems in critical decisions to assess their impact before and after deployment…

AL SB 63

Effective: October 1, 2026 State: Alabama View details →

Health care plans; to regulate the use of artificial intelligence in determinations of coverage

Alabama's SB 63 (Act 2026-589) limits how health benefit plan providers, including insurers, HMOs and utilization review contractors, use AI in prior authorization. AI-assisted medical necessity determinations must rest on the enrollee's medical history,…

KY HB58

State: Kentucky View details →

AN ACT relating to privacy protection.

Kentucky's HB 58 (2026) makes it unlawful for anyone, including the state and local governments, to use automated license plate readers (ALPRs: high-speed cameras plus data processing that turn vehicle and plate images into computer-readable data) except for…

TX SB815

Effective: January 1, 2026 State: Texas View details →

Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims process.

Texas's SB 815 bars utilization review agents from using an automated decision system to make, wholly or partly, an adverse determination (a finding that health care services are not medically necessary or appropriate, or are experimental or…

MN HF4131

Surveillance-based price and wage discrimination prohibited.

Not law. Minnesota's HF 4131 would have added Minn. Stat. 325D.141 prohibiting surveillance-based price discrimination and wage discrimination, meaning use of an automated decision system to inform individualized prices or wages from surveillance data about…

IA HSB 766

State: Iowa View details →

A bill for an act relating to the licensure of artificial intelligence augmented and autonomous service providers, and including penalties.

Iowa's HSB 766, a House Appropriations study bill, would create a board of autonomous medical practice to license AI augmented and autonomous service providers (AAASPs) that run clinical AI services. A license would be required for fully autonomous AI and…

CO SB24-205

Enacted High Risk

Colorado Artificial Intelligence Act

Colorado's SB 24-205 (the Colorado AI Act) covers high-risk AI that makes, or is a substantial factor in making, consequential decisions such as hiring, lending, housing, insurance and health care. Developers and deployers must use reasonable care against…

Effective: June 30, 2026 State: Colorado View details →

IA HF2635

Effective: July 1, 2026 State: Iowa View details →

A bill for an act relating to health carriers standards of conduct; utilization review organizations, artificial intelligence, audits, and prior authorizations; certificate of need processes; and including applicability provisions. (Formerly HF 2438.) Effective date: 07/01/2026.

Iowa's HF 2635 is a health insurance and certificate-of-need law. Its AI rule (Iowa Code § 514F.8(2A)) lets a utilization review organization use an AI-based algorithm or system for the initial review of a prior authorization request, but for a request based…

SC S920

Health insurance

Not law. S. 920 would have required South Carolina health insurers that use AI, algorithms or other software for prior authorization to base decisions on the patient's own medical history and clinical circumstances, have a licensed physician or other…

TX HB4018

Relating to use of artificial intelligence in utilization review conducted for health benefit plans.

Texas HB 4018 (2025), as introduced, would have added Insurance Code Sec. 4201.156, requiring a utilization review agent that uses an AI-based algorithm or other software tool to ensure it bases determinations on the enrollee's clinical history and…

PA HB1925

State: Pennsylvania View details →

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.

Pennsylvania's HB 1925 (2025-26), as amended (Printer's No. 3963), would add rules for AI in health care facilities, AI use by insurers and AI use by MA or CHIP managed care plans, with duties for the departments of Health, Insurance and Human Services and…

TX HB5496

Relating to the disclosure and use of artificial intelligence.

Texas HB 5496 (2025), as introduced, would have added Chapter 611 to the Business & Commerce Code. A person using AI in conducting business or providing a good or service to a Texas resident, including social media, political advertising or financial…

VT H0340

State: Vermont View details →

An act relating to regulating developers and deployers of certain automated decision systems

Vermont's H.340 (2025-2026 biennium) would have regulated developers and deployers of automated decision systems used for consequential decisions in areas such as education, employment, housing, health care, financial services and government services. It…

NY S01012

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…

New York's S 1012-B (2023-2024 session) would have added Vehicle and Traffic Law Article 34-E allowing a person to operate a fully autonomous (SAE level 4 or 5) vehicle on public roads without a human driver while its automated driving system is engaged,…

IA SF2421

State: Iowa View details →

A bill for an act relating to utilization review organizations' use of artificial intelligence, prior authorization determinations and exemptions, and audits, and including applicability provisions. (Formerly SSB 3118.)

Iowa's SF 2421 (formerly SSB 3118) would have let utilization review organizations use an AI-based algorithm for initial review of prior authorization requests but not as the sole basis to deny, delay or downgrade a medical-necessity request, and would have…

GA SB 444

Effective: January 1, 2027 State: Georgia View details →

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

Georgia Act 411, effective January 1, 2027, adds O.C.G.A. 33-46-7.1 for health insurance utilization review. Private review agents and utilization review entities may use AI and other software tools as part of a utilization review plan that meets state…

MA S46

Relative to the use of artificial intelligence and other software tools in healthcare decision-making

Massachusetts S46 would amend G.L. c. 176O, s. 12 so that insurers using AI, algorithms or software for medical-necessity review may not let the tool deny, delay or modify care; only a licensed physician or competent licensed professional may decide. On…

WA HB2157

Regulating high-risk artificial intelligence system development, deployment, and use.

Washington's HB 2157 (Substitute House Bill, 2026 session) would have required developers and deployers of high-risk AI systems, those specifically intended to make, or be a substantial factor in making, consequential decisions such as employment, lending,…

GA SB167

Commerce and Trade; private entities that employ certain AI systems to guard against discrimination caused by such systems; provide

Georgia's SB 167 would add a new Chapter 16 to Title 10 regulating automated decision systems used for consequential decisions (education, employment, essential government services, financial or lending services, healthcare, housing, insurance and legal…

US HB4801

Unleashing AI Innovation in Financial Services Act

U.S. Congress's H.R. 4801, the Unleashing AI Innovation in Financial Services Act (119th Congress), would require each federal financial regulatory agency to set up an AI Innovation Lab where regulated financial entities could apply to run AI test projects…

HI SB59

Relating To Algorithmic Discrimination.

Hawaii's SB 59 (2025) would have added an Algorithmic Discrimination chapter. Covered entities (those holding data on more than 25,000 residents, over $15,000,000 in receipts, data brokers, or service providers) could not use algorithmic processes using…

SC S0920

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.

HI HB1787

Relating To Health Care.

Hawaii's House Bill 1787 (2026) would have set rules for health carriers and utilization review organizations that use AI, algorithms or other software tools in utilization review: determinations would have to rest on individual clinical history, be open to…

WA HB2667

Providing consumer protections for artificial intelligence systems.

Washington's HB 2667 (2026 session), the House companion to SB 6284, would have required deployers of high-risk AI systems used for consequential decisions on education, employment, lending, health care, housing, insurance, legal services and similar matters…

NY A00768

Enacts the "New York artificial intelligence consumer protection act", in relation to preventing the use of artificial intelligence algorithms to discriminate against protected classes.

New York's A 768, the "New York artificial intelligence consumer protection act," would add General Business Law Article 45-A. Beginning January 1, 2027, developers and deployers of high-risk AI decision systems used in consequential decisions (education,…

WV HB4770

State: West Virginia View details →

Establishing limitations on the use of artificial intelligence and artificial intelligence technology to deliver mental health care, with exceptions for administrative support functions

West Virginia's HB 4770 (2026 regular session, committee substitute) would have limited AI in mental health care. AI could assist only with administrative or supplementary support, with patient care, reimbursement or claims decisions not based exclusively on…

NY S07896

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.

New York's S 7896 would add Public Health Law § 4905-a and Insurance Law § 4905-a. A utilization review agent using AI, an algorithm or another software tool based on medical necessity must base determinations on the enrollee's clinical history, may not rely…

MD HB1385

Health Insurance - Use of Artificial Intelligence - Human Evaluation

Maryland's HB 1385 (2026, first reader text) would have amended Insurance section 15-10B-05.1 so that audits and compliance reviews of AI, algorithms or software tools used by carriers for utilization review include a human evaluation of the patient's…

NY A03930

Regulates the use of artificial intelligence in aiding decisions on rental housing and loans; requires a study on the impact of artificial intelligence and machine learning on housing discrimination and redlining.

New York's A 3930 would regulate algorithms in housing and lending. Landlords and banks using automated decision tools to screen applicants would need annual disparate impact analyses, 24-hour notice to applicants, and (landlords) public posting of results;…

LA HB880

Creates the Louisiana Artificial Intelligence Insurance Fairness Act (OR +$1,029,533 SG EX See Note)

Louisiana's HB880, the Louisiana Artificial Intelligence Insurance Fairness Act, would have regulated insurers that use algorithmic decision systems in homeowners, commercial property and casualty, auto, health or life insurance: annual independent…

TN HB1866

AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.

Tennessee's HB1866 (114th General Assembly), the "Regulate Artificial Intelligence (AI) in Health Care Act," would have barred, on or after July 1, 2026, a health insurance issuer that uses AI, an algorithm or other software tool for utilization review or…

US HB7786

AI Fraud Accountability Act

The federal H.R. 7786 (AI Fraud Accountability Act) would make it a federal crime, in interstate or foreign communications, to pose in a "digital impersonation" (an AI- or software-generated image, video or audio indistinguishable from a real person) with…

MN SF3098

Prohibition from using artificial intelligence to dynamically set product prices

Minnesota's SF 3098 (1st engrossment) would add Minn. Stat. 325D.141 prohibiting surveillance-based price discrimination and wage discrimination, meaning individualized prices or wages set with an automated decision system from surveillance data about a…

HI SB3027

Relating To The Patients' Bill Of Rights.

Hawaii's Senate Bill 3027 (2026), which calls itself the Hawaii Patients' Bill of Rights of 2025, would have set prior authorization deadlines for health carriers (one business day urgent, three non-urgent) and required written disclosure of any automated…

HI HR182

Requesting The Hawaii Civil Rights Commission To Examine The Applicability Of Existing State Anti-discrimination Laws To Algorithmic And Automated Decision Systems.

Hawaii's House Resolution 182 (2026) asks the Hawaiʻi Civil Rights Commission to examine how existing state anti-discrimination laws apply to algorithmic and automated decision systems, including AI tools used in employment screening, tenant selection,…

US HB6356

Artificial Intelligence Civil Rights Act of 2025

The AI Civil Rights Act would bar companies from developing or using AI-driven 'covered algorithms' in decisions about jobs, education, housing, utilities, health care, credit, insurance, criminal justice, elections, government benefits or public…

MA H96

To provide accountability in the use of biometric recognition technology and comprehensive enforcement

Massachusetts H96 would add G.L. Chapter 110I regulating biometric recognition technology: covered entities that collect or process biometric data owe duties of loyalty, care and confidentiality, may not sell it, and may not install biometric recognition…

Effective: October 1, 2026 State: Maryland View details →

MD SB8

Enacted High Risk

Criminal Law - Identity Fraud - Artificial Intelligence and Deepfake Representations

Maryland's Chapter 445 of 2026 adds AI and deepfakes to the state's identity fraud law. Knowingly, willfully and with fraudulent intent using AI or a deepfake (a realistic image, video or audio of an actual, identifiable person) to impersonate, falsely…

US HB2152

AI PLAN Act Artificial Intelligence Practices, Logistics, Actions, and Necessities Act

The federal H.R. 2152 (AI PLAN Act), as reported, would require the Treasury, Homeland Security and Commerce Secretaries to report to Congress, within 180 days of enactment and annually, on defending against adversaries' use of AI in financial crimes, then…

FL H1555

Insurers' Liabilities and Responsibilities

Florida's HB 1555 (Cassel) would require insurers' claim denials to be reviewed, approved and signed off by a qualified human professional, bar AI, machine learning algorithms and automated systems from serving as the basis for denying a claim, and require…

MD HB820

Effective: October 1, 2025 State: Maryland View details →

Health Insurance - Utilization Review - Use of Artificial Intelligence

Maryland HB 820 (2025) governs health insurers, pharmacy benefit managers and private review agents that use AI, algorithms or other software tools in utilization review. Tools must base determinations on the enrollee's own medical or clinical history and…

NJ S4279

Provides disparate impact based on automated decision system as cause of action for certain consumers.

New Jersey's S 4279 (as introduced) would bar a covered entity (lender, housing provider, screening company, creditor, servicer, insurer or their agents) from using an automated decision system in housing or credit decisions in a way that results in a…