NY A09654: Enacts the New York Artificial Intelligence Civil Rights Act establishing protections for individual rights with respect to computational algorithms;…

In one paragraph

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 government services) in ways that discriminate or have a disparate impact on protected characteristics. It would require independent audits where harm is plausible. Referred to the Assembly Science and Technology Committee January 21, 2026; it has not passed either house.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

If enacted, companies that develop or use algorithms in employment, housing, credit, health, insurance or similar decisions would need independent audits, impact assessments, notices and human appeal options.

Key provisions

1. 1Developers and deployers could not offer, license or use a covered algorithm in a way that causes a disparate impact or otherwise discriminates on a protected characteristic in a consequential action (Section 102)
2. 2Before deploying a covered algorithm for a consequential action, developers and deployers would have to do a preliminary harm evaluation and, if harm is plausible, engage an independent auditor for a full pre-deployment evaluation (Section 103)
3. 3Deployers would have to run annual post-deployment impact assessments and engage an independent auditor for a full assessment if harm resulted (Section 104)
4. 4Developers and deployers would have to mitigate identified harms, certify that harm is not likely and benefits outweigh harms, and could not advertise covered algorithms deceptively (Section 106)
5. 5The Division of Consumer Protection would write rules within two years on a right to opt out to a human decision-maker and a human appeal of consequential actions (Section 108)
6. 6Would bar retaliation against people who exercise their rights and require a public disclosure of algorithm practices (Sections 109 and 110)
7. 7The attorney general could sue in federal court for civil penalties of $15,000 per violation or 4% of average annual gross revenue over three years, whichever is greater (Section 113)
8. 8Individuals could sue for the greater of treble damages or $15,000 per violation; pre-dispute arbitration agreements would not apply. Would take effect the first January 1 after becoming law

Latest legislative action

Jan 21, 2026. REFERRED TO SCIENCE AND TECHNOLOGY

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