Executive Order 14365
A December 2025 Trump administration order that points federal agencies at state AI laws conflicting with the national AI policy it declares.
Executive Order 14365, signed on December 11, 2025, declares a federal policy of a minimally burdensome national framework for artificial intelligence and directs agencies to challenge state laws that conflict with it. The order argues that state-by-state AI regulation creates a patchwork, may require ideological bias, and can regulate beyond state borders. Its one worked example is a Colorado law banning “algorithmic discrimination,” which the order says may force AI models to produce false results. It gives no bill number; SB 24-205 is the identification readers made rather than one the order made.
The order does not create new federal insurance law, repeal McCarran-Ferguson, or mention insurance. It sets up a federal mechanism to challenge state laws through litigation and a Commerce Department review, and it ordered up a legislative recommendation for a national statute, which the White House published in March 2026. For insurers, the daily compliance obligation remains state-by-state for now, and the order is a legal and political risk to monitor rather than a rule to follow.
State insurance regulators pushed back through the NAIC, which called on the administration to affirm state authority over AI in insurance. The preemption mechanics and what carriers should do meanwhile are in our analysis of EO 14365 and state insurance regulation.