In one paragraph
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 activity), and their third-party developers or vendors, would have to explain to the Superintendent how the factors in their model or algorithm relate to risk, publicly disclose scoring methodologies and let consumers request access to their data; vendors would have to also file their model or algorithm with the Superintendent. Referred to Insurance March 2, 2026; it has not passed either chamber.
Plain-English summary, written with AI assistance. The official text controls.
What it means for business
None yet: the bill is pending. If enacted, insurers using telematics and their vendors would have to file models with the Superintendent, publish scoring methods, test for discrimination and give consumers data access.
Key provisions
- § 2313(a): the definition of rate service organization would include third-party developers or vendors of telematics systems, who must file their model or algorithm with the Superintendent
- § 2304-a: insurers and vendors must explain to the Superintendent how factors in the model or algorithm are connected to risk, publicly disclose scoring methodologies, and report on testing to ensure the system does not discriminate against protected classes
- Consumers must be allowed to request access to the data collected, in the manner prescribed by the Superintendent and in a readable format
- Collected data may not be used for any purpose other than underwriting and rating decisions
- No unfair discrimination based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity or gender expression; the Superintendent may promulgate rules
- The text states no penalties or private right of action; would take effect on the ninetieth day after it becomes law
Latest legislative action
Mar 2, 2026. referred to insurance
Sponsors
| Name | Role |
|---|---|
| Charles Lavine D | Primary |
| NOLAN | Primary |
| Rules Committee | Primary |
| SIMOTAS | Primary |
| OTIS | Cosponsor |
Topics and industries
Related topics
Affected industries
This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error