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
- 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
- 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
- Consumers may request access to their collected data 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, including through external consumer data or predictive models
- 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)
| Name | Role |
|---|---|
| KENNEDY | Primary |
| Leroy Comrie D | Primary |
| Robert Jackson D | Primary |
| GALLIVAN | Cosponsor |
| HINCHEY | 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