🇺🇸United States · Sectors

AI governance by sector in the US.

No single federal AI law — but sector regulators have extensive existing authority and are actively using it. Here is what applies to the sectors where AI governance matters most.

Financial Services

CFPBOCCFTCSEC

CFPB enforcement of AI in credit decisions, OCC model risk management for banks, adverse action notice requirements, SEC AI disclosure, and FTC consumer protection for financial AI.

Sector guidance

Employment & HR

EEOCDOLNLRBNYC DCWP

EEOC guidance on algorithmic hiring discrimination, NYC Local Law 144 bias audit requirements, Colorado SB 24-205 appeal rights, Illinois AI Video Interview Act, and NLRA collective action protections.

Sector guidance

Healthcare

FDAHHSCMSONC

FDA Software as a Medical Device clearance requirements, HIPAA Business Associate Agreements for AI, CMS prior authorisation AI guidance, and ONC algorithm transparency rules.

Sector guidance

Legal Sector

State BarsCourtsABA

State bar ethical obligations for AI in legal practice, duty of candour and AI hallucination risk in court submissions, client confidentiality, and court-specific AI disclosure rules.

Sector guidance

Insurance

NAICState DeptsCFPBFTC

NAIC Model Bulletin on AI Systems (December 2023), Colorado SB 21-169 external data governance, state unfair trade practices laws applied to AI outcomes, and FTC jurisdiction over insurtech AI.

Sector guidance

Technology

FTCDOJNISTCISA

FTC enforcement of deceptive AI practices, DOJ antitrust scrutiny of AI platforms, NIST AI RMF as emerging baseline, state consumer privacy laws, and AI Safety Executive Order obligations.

Sector guidance