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AI Summary
The bill prohibits discrimination by automated decision systems against protected classes in loans, insurance, and healthcare services.
Business Impact
If you use AI for loans, insurance, or healthcare, ensure non-discriminatory practices by the effective date or face legal consequences.
What do these statuses mean? ▼
Introduced
— Filed in the legislature; not yet heard in committee
In Committee
— Assigned to and being reviewed by a legislative committee
Passed
— Approved by one or both chambers; awaiting further action
Signed / Enacted
— Signed into law by the governor; may or may not be in effect yet
Dead / Vetoed
— Vetoed, failed to pass, or session expired without action
Unknown
— Status data not yet available or awaiting classification
Affected Industries
Topics How we classify →
What This Means
New Jersey's S1943 prohibits discrimination by automated decision systems in financial, insurance, and healthcare sectors. It ensures protected classes are not disproportionately affected.
Key Provisions
- Section 2: Prohibits discrimination in loans and credit by automated decision systems.
- Section 3: Prohibits discrimination in insurance practices using automated decision systems.
- Section 4: Prohibits discrimination in healthcare services through automated decision systems.
- Section 5: Establishes that violations are unlawful discrimination under section 11 of P.L.1945, c.169 (C.10:5-12).
- Section 6: Takes effect three months after enactment.
Latest Legislative Action
Introduced in the Senate, Referred to Senate Commerce Committee
Bill Sponsors
| Name | Role | District |
|---|---|---|
| Nia Gill D | Sponsor | SD-034 |
Compliance Checklist
Ensure automated decision systems do not discriminate against protected classes.
Who: Financial institutions, insurance companies, healthcare providers.
Deadline: By the effective date of the bill.
Penalty: Legal penalties for unlawful discrimination.
Who: Financial institutions, insurance companies, healthcare providers.
Deadline: By the effective date of the bill.
Penalty: Legal penalties for unlawful discrimination.
Related & Companion Bills
Full Legal Analysis
Senate Bill No. 1943, introduced in New Jersey, prohibits discrimination by automated decision systems against individuals who are members of protected classes. This prohibition applies specifically to financial institutions, insurance companies, and healthcare providers. The bill defines an 'automated decision system' as any computational process, including those derived from machine learning or artificial intelligence, that makes or aids in decision-making. A 'member of a protected class' includes individuals with characteristics such as race, gender, and disability, as outlined in section 11 of P.L.1945, c.169 (C.10:5-12). Discrimination is deemed to occur if the system selects protected class members at disproportionate rates compared to others. Violations are considered unlawful discrimination under New Jersey law. The act will take effect on the first day of the third month following its enactment.
Official Source
Official Bill Text
View S1943 on official legislature website →
Related Topics
Affected Industries
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