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US AI governance for enterprise.

No federal AI law — but FTC, CFPB, EEOC, and sector regulators are all active. States are moving fast. And if you have EU customers, the EU AI Act applies regardless of where you're based.

State AI laws: the active patchwork

Six states with active or developing AI requirements — and more coming.

Colorado
Enforcement stayed
Colorado AI Act (SB 205)
Scope: Developers and deployers of high-risk AI systems in employment, housing, credit, insurance, education, healthcare. Effective June 30, 2026 but enforcement stayed by court (xAI v. Weiser, April 27, 2026).
Requirements: Risk assessments, impact statements, consumer notices, developer disclosures, annual reviews
Enforcer: Colorado AG (stayed)
Connecticut
In force
Connecticut AI Act (SB 2)
Scope: Deployers of high-impact AI systems interacting with CT residents
Requirements: Impact assessments, anti-discrimination provisions, consumer rights including explanation and correction
Enforcer: CT AG
New York City
Enforced
Local Law 144
Scope: Employers using automated employment decision tools for NYC job candidates/employees
Requirements: Annual bias audits by independent auditors, public results publication, candidate notification
Enforcer: NYC DCWP
Illinois
Active
AEIA + HB 3773
Scope: Employers using AI in video interviews; broad employer AI obligations under AEIA
Requirements: Video interview AI disclosure and data destruction; employment AI non-discrimination
Enforcer: Illinois AG
Texas
In force
Texas AI in Insurance
Scope: Insurers using AI in underwriting, pricing, claims, or marketing
Requirements: Non-discrimination provisions; prohibited use of protected characteristics as AI inputs
Enforcer: Texas DOI
California
Developing
Multiple bills (AB 2885, SB 1047 vetoed)
Scope: Various bills targeting employment AI, healthcare AI, and large foundation models
Requirements: Active legislative calendar — monitoring required
Enforcer: CA AG / DFPI

Federal agency AI enforcement

No AI law, but existing authorities — actively used.

FTC
Federal Trade Commission
Authority: Section 5 FTC Act — unfair or deceptive acts or practices

AI-generated fake reviews, deceptive AI capability claims, AI discrimination, health AI claims. Consent decrees require algorithmic audits and in some cases model deletion.

CFPB
Consumer Financial Protection Bureau
Authority: FCRA, ECOA, UDAAP

Adverse action notice requirements for AI credit decisions; CFPB position that AI model complexity does not excuse failure to provide specific denial reasons to applicants.

EEOC
Equal Employment Opportunity Commission
Authority: Title VII, ADA, ADEA

Disparate impact of AI hiring tools on protected groups; employer liability regardless of intent; guidance on AI hiring assessment tools.

OCC/Fed/FDIC
Prudential Banking Regulators
Authority: Safety and soundness, SR 26-2

Model risk management requirements apply to AI models. SR 26-2 (April 2026) superseded SR 11-7 — examiners assess ML-specific MRM practices under the revised guidance.

FDA
Food and Drug Administration
Authority: Medical device regulation, FDCA

AI as Software as a Medical Device; predetermined change control plan for iterative AI medical products; De Novo and 510(k) pathways.

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