Texas Regulates Insurer AI Without Requiring a Single New Document
Texas asks insurers for no written AI program but expects a person to approve consequential AI decisions before they take effect.
State regulation
State-level AI rules beyond the NAIC baseline. Colorado, New York, Texas, and the states writing their own regimes.
How AI Governance Works in Insurance →Guides & analysis
How to Test ECDIS and AIS for Unfair Discrimination Under NY DFS Circular Letter No. 7
How to run and document the NY DFS Circular Letter No. 7 unfair-discrimination tests: which test, who owns it, what to keep.
Does AI Insurance Regulation Apply to You? A Plain-Language Self-Check
Five questions that flag when the AI regulations for insurance companies may reach your business, and what to review before treating the answer as settled.
The NAIC Insurance Data Security Model Law, Explained
The NAIC Insurance Data Security Model Law stops being guidance once a state enacts it: the 72-hour notice, and who has it.
Market Conduct Examinations, Explained
A market conduct exam is how state regulators inspect how insurers treat consumers: what triggers one, what examiners ask for, and how it differs from a financial exam.
What the NAIC Is, and What It Cannot Do
The NAIC is the nonprofit standard-setting organization run by state insurance commissioners. States supply the regulatory power and decide whether its documents bind.
How U.S. Insurance Regulation Actually Works
U.S. insurance is regulated state by state, not federally. Why that is, what regulators control across the policy lifecycle, and how the pieces fit together.
What Trump's AI Executive Order (EO 14365) Means for State Insurance Regulation
Trump's AI executive order tells agencies to challenge state AI laws. Why McCarran-Ferguson still shields state insurance rules, and how far the federal push has got.
Colorado Replaces Its AI Act with SB 26-189
Most of Colorado's SB 26-189 waits for January 1, 2027, but one section gave the insurance Commissioner AI disclosure rulemaking power on signing. Where the duties land.
NYDFS Circular Letter No. 7 and the AI Underwriting Proxy Test
NYDFS Circular Letter No. 7 is New York's AI guidance for insurers: proxy test, three-step assessment and the 15-day notice.