AI Reg Atlas

AI Reg Atlas

A live, sourced tracker of AI regulation in insurance and financial services — by state, by framework. Narrower and more specialized than the general trackers, built as an open dataset rather than a law-firm content page, focused specifically on the insurance × fintech AI intersection.

Not legal advice. This dataset is an aggregation of public regulatory text for informational purposes only. It is not legal advice and is not a substitute for counsel. Verify against the linked primary sources before relying on any row.

US map — AI insurance regulation, by state

States are colored by a four-tier system: NAIC bulletin adopted; NAIC bulletin adopted and the state is part of the 12-state NAIC AI Systems Evaluation Tool pilot (Jan–Sep 2026); has a state-specific framework on top of NAIC (New York, Colorado); or no specific AI insurance framework yet. Click any state for the full per-state breakdown, or open the filterable table.

Has state-specific AI framework on top of NAIC
NAIC AI Systems Evaluation Tool pilot state
NAIC AI Model Bulletin adopted
No specific AI insurance framework yet
Washington — NAIC AI Model Bulletin adoptedWAIdaho — No specific AI insurance framework yetIDMontana — No specific AI insurance framework yetMTNorth Dakota — No specific AI insurance framework yetNDMinnesota — NAIC AI Model Bulletin adoptedMNMaine — No specific AI insurance framework yetMEOregon — NAIC AI Model Bulletin adoptedORWyoming — No specific AI insurance framework yetWYSouth Dakota — No specific AI insurance framework yetSDIowa — NAIC AI Systems Evaluation Tool pilot stateIAWisconsin — NAIC AI Systems Evaluation Tool pilot stateWINew York — Has state-specific framework on top of NAICNYVermont — NAIC AI Systems Evaluation Tool pilot stateVTNew Hampshire — NAIC AI Model Bulletin adoptedNHCalifornia — NAIC AI Systems Evaluation Tool pilot stateCANevada — NAIC AI Model Bulletin adoptedNVUtah — NAIC AI Model Bulletin adoptedUTColorado — Has state-specific framework on top of NAICCONebraska — NAIC AI Model Bulletin adoptedNEMichigan — NAIC AI Model Bulletin adoptedMIPennsylvania — NAIC AI Systems Evaluation Tool pilot statePANew Jersey — NAIC AI Model Bulletin adoptedNJMassachusetts — NAIC AI Model Bulletin adoptedMAConnecticut — NAIC AI Systems Evaluation Tool pilot stateCTRhode Island — NAIC AI Systems Evaluation Tool pilot stateRIArizona — NAIC AI Model Bulletin adoptedAZNew Mexico — No specific AI insurance framework yetNMKansas — NAIC AI Model Bulletin adoptedKSMissouri — No specific AI insurance framework yetMOKentucky — NAIC AI Model Bulletin adoptedKYIndiana — NAIC AI Model Bulletin adoptedINOhio — NAIC AI Model Bulletin adoptedOHWest Virginia — No specific AI insurance framework yetWVVirginia — NAIC AI Systems Evaluation Tool pilot stateVAMaryland — NAIC AI Systems Evaluation Tool pilot stateMDDelaware — NAIC AI Model Bulletin adoptedDETexas — NAIC AI Model Bulletin adoptedTXOklahoma — No specific AI insurance framework yetOKArkansas — No specific AI insurance framework yetARTennessee — NAIC AI Model Bulletin adoptedTNLouisiana — NAIC AI Systems Evaluation Tool pilot stateLAMississippi — No specific AI insurance framework yetMSAlabama — No specific AI insurance framework yetALGeorgia — NAIC AI Model Bulletin adoptedGASouth Carolina — No specific AI insurance framework yetSCNorth Carolina — NAIC AI Model Bulletin adoptedNCFlorida — NAIC AI Systems Evaluation Tool pilot stateFLAlaska — No specific AI insurance framework yetAKIllinois — NAIC AI Model Bulletin adoptedILDistrict of Columbia — No specific AI insurance framework yetHawaii — No specific AI insurance framework yetHI

Tier counts

NAIC bulletin adopted
21 states
NAIC AI Eval Tool pilot
11 states
Has state-specific framework
2 states (NY, CO)
No specific AI insurance framework yet
17 states

About this map

The map shape is a schematic of the 50 states + DC, hand-laid-out to be recognisable while keeping the repo fully buildable offline. The methodology page documents the swap to a full real-shape TopoJSON (us-atlas states-10m.json) when network access is available at build time. Source for every state's tier: NAIC's own implementation map (PDF).

Pilot states — 12-state NAIC AI Systems Evaluation Tool (Jan–Sep 2026)

NAIC launched a 12-state pilot of its AI Systems Evaluation Tool in January 2026, running through September 2026. Pilot states are running a structured review of insurers' AI systems against a common rubric. Verify current status at build time (this is explicitly time-boxed). Pilot states: California (CA), Colorado (CO), Connecticut (CT), Florida (FL), Iowa (IA), Louisiana (LA), Maryland (MD), Pennsylvania (PA), Rhode Island (RI), Vermont (VT), Virginia (VA), Wisconsin (WI)

Federal & EU — see the dedicated panel

For the CFPB adverse-action / ECOA guidance, the April 2026 replacement of SR 11-7 (OCC / Federal Reserve / FDIC), and the EU AI Act's Annex III (credit scoring and life/health insurance risk-pricing), open the Federal & EU page.