Colorado AI Act
Colorado SB 24-205, a comprehensive algorithmic-discrimination law. In force since June 30, 2026; SB 26-189 supersedes it on January 1, 2027.
The Colorado AI Act, originally enacted as Senate Bill 24-205, is a comprehensive law addressing algorithmic discrimination in high-risk decisions, including insurance. It imposes broad risk-management, documentation, and disclosure duties on developers and deployers of high-risk AI systems. Insurance had its own route from the start: section 6-1-1705(7) treated three parties as compliant, an insurer already regulated under SB 21-169, a fraternal benefit society, and any developer supplying an AI system to one of them.
The Act took effect on June 30, 2026 after a delay, and SB 26-189 repeals and reenacts it on January 1, 2027, swapping in a narrower regime of disclosure and recourse; until that date the older duties are live law. The rewrite happened under pressure from Washington, and Executive Order 14365 gives one worked example of the state rules it objects to, a Colorado law banning “algorithmic discrimination” that the order says may push models toward false results. It leaves the bill unnamed, and readers matched it to SB 24-205 themselves.
The Colorado AI Act remains a relevant reference point because it shaped the debate over state AI regulation and influenced other states. See our analysis of Colorado SB 26-189, which takes its place.