Insurance AI answers

State AI Compliance

Which states regulate insurer AI, what the rules actually say, and what they require of agents — every claim sourced to the regulator’s own document, with dates.

• What does Texas TDI Bulletin B-0003-26 require? TDI Bulletin B-0003-26, issued June 12, 2026, expects Texas-regulated entities and their agents and representatives to keep AI-assisted decisions compliant with existing insurance law, maintain controls that reduce the risk of bad consumer outcomes, have a person review and agree with consequential AI-driven decisions before action is taken, and maintain a governance framework they can describe to TDI on request. It creates no renewal attestation, no new CE requirement, and no new penalty schedule.
• What is the NAIC AI Model Bulletin? The NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, adopted December 4, 2023, is regulatory guidance that tells insurers to run a written AI Systems (AIS) Program — governance with senior-management accountability, risk management and testing, documentation regulators can request, and due-diligence oversight of third-party AI vendors — under existing unfair-trade-practice law. 24 states plus D.C. have adopted it as of the NAIC's April 1, 2026 map.
• Which states have adopted the NAIC AI Model Bulletin? 24 states plus the District of Columbia — 25 jurisdictions total — have adopted the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, per the NAIC's own implementation map with status as of April 1, 2026, the most recent the NAIC has published as of August 17, 2026. Four more states (California, Colorado, New York, Texas) regulate insurer AI through their own frameworks instead.