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US HB4801: Unleashing AI Innovation in Financial Services Act

Introduced United States (Federal) · 2025–2026 session

Last verified May 29, 2026 · official bill text

HB4801 · where it stands

1 of 5 steps complete
  1. Introduced Complete
  2. Passed first chamber
  3. Passed both chambers
  4. Signed
  5. In effect
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.
Signed / enacted
Signed into law; it may or may not be in effect yet.
In effect
The effective date has passed.
Dead / vetoed
Vetoed, failed, or the session ended without action.

In one paragraph

The bill proposes establishing AI Innovation Labs for AI experimentation by certain persons, under unspecified conditions.

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

What it means for business

If you experiment with AI in financial services, you may do so without enforcement actions.

What this means

The Unleashing AI Innovation in Financial Services Act seeks to create AI Innovation Labs for experimentation with AI technologies by certain persons, under unspecified conditions.

Key provisions

  1. Establishment of AI Innovation Labs for AI experimentation by certain persons, under unspecified conditions, without expectation of enforcement actions, except in cases of fraud, criminal activity, or unspecified conditions.

Latest legislative action

May 13, 2026. Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.

Full analysis

The Unleashing AI Innovation in Financial Services Act, known as HB4801, has been introduced at the federal level in the United States. The primary aim of the bill is to establish AI Innovation Labs. These labs are intended for use by 'certain persons,' which the bill specifies as entities engaged in financial services and other specified individuals or groups. The bill allows these entities to experiment with AI technologies under unspecified conditions and limitations. Importantly, the bill provides that these activities can occur without the expectation of enforcement actions, except in cases involving fraud, criminal activity, or other unspecified conditions.

Sponsors

NameRoleDistrict
R Sponsor HD-WI-1
R Sponsor HD-AR-2
D Sponsor HD-NJ-5
D Sponsor HD-NY-15

Related and companion bills

Topics and industries

Affected industries

Finance

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

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