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NY S05486: Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.

In Committee New York

Last verified Oct 12, 2026 · official bill text

S05486 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Enacted
  5. Effective
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.

In one paragraph

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 methodologies, report discrimination testing and give consumers access to their collected data. Collected data could be used only for underwriting and rating. Referred to Insurance January 7, 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, auto insurers using telematics and their data and model vendors would have to file and disclose models, report discrimination testing and give consumers data access.

Key provisions

  1. Rate service organizations under § 2313 would include third-party developers or vendors of telematics systems, which must file their model or algorithm with the Superintendent; a telematics system monitors, stores and transmits data such as vehicle location and driver behavior
  2. Insurers, developers and vendors must show each factor is related to risk of loss, publicly disclose scoring methodologies, and report testing to avoid discrimination against protected classes and reduce disparate impact
  3. Consumers may request access to their collected data in a readable format
  4. Collected data may not be used for any purpose other than underwriting and rating decisions
  5. No unfair discrimination based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity or gender expression, including through external consumer data or predictive models
  6. The Superintendent may issue rules; no penalties or private right of action are stated; would take effect on the 90th day after becoming law; Assembly companion A10364

Latest legislative action

Jan 7, 2026. referred to insurance

Sponsors (showing 5 of 7)

NameRole
Primary
D Primary
D Primary
Cosponsor
Cosponsor

Related and companion bills

Topics and industries

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