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AI Summary
This bill prohibits insurers from using external consumer data and algorithms that unfairly discriminate based on protected characteristics.
Business Impact
If you use algorithms to determine insurance rates in New York, you must ensure compliance with non-discrimination standards or face penalties.
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
The proposed legislation aims to prevent unfair discrimination in insurance rate determinations by prohibiting the use of external consumer data and algorithms. Insurers will need to review their data practices to align with the new standards, particularly regarding protected characteristics such as race and gender identity.
Key Provisions
- Prohibits the use of external consumer data in insurance rate determinations.
- Prevents unfair discrimination based on protected characteristics.
- Applies to algorithms and predictive models used by insurers.
Latest Legislative Action
REFERRED TO CORPORATIONS, AUTHORITIES AND COMMISSIONS
Bill Sponsors
| Name | Role |
|---|---|
| Erik Dilan | Primary |
Compliance Checklist
Review and adjust data practices to eliminate discriminatory algorithms.
Who: Insurers operating in New York
Penalty: Potential penalties for non-compliance.
Who: Insurers operating in New York
Penalty: Potential penalties for non-compliance.
Related & Companion Bills
Full Legal Analysis
The bill prohibits insurers from using external consumer data and information sources when determining insurance rates, specifically to prevent unfair discrimination based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression. Insurers must ensure that any algorithms or predictive models they employ do not lead to discriminatory outcomes based on these protected characteristics. While the bill applies to insurers, it does not explicitly state that all insurers in New York must comply. The bill aligns with ongoing trends in other states to regulate the use of AI and data in insurance and other sectors, reflecting a growing emphasis on algorithmic accountability.
Official Source
Official Bill Text
View A08369 on official legislature website →
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