Privacy Law Library

Insurers' use of external consumer data, algorithms, and predictive models

Colorado insurance AI law (SB 21-169)

Artificial intelligence · Financial

SB 21-169 bars insurers from unfairly discriminating based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression, including through external consumer data, algorithms, and predictive models. The Commissioner adopts line-by-line rules requiring insurers to test and govern those models. SB 26-189 added authority for rules on notices and disclosures to consumers and deems compliant insurers compliant with the ADMT Act.

Where

Colorado

Citation

C.R.S. 10-3-1104.9

Status

In force

In force since

2021-09-07

Last amended

2026-05-14

Enforced by

Colorado Commissioner of Insurance (Division of Insurance)

People can sue

No

Penalties

Enforced through the Commissioner's examination and unfair-practice authority (10-3-1104.9(4); 10-3-1106).

Applies to

• Insurers in any insurance practice, except title insurance, surety bonds, and most commercial lines (business owners' and commercial general liability policies are covered) (10-3-1104.9(1), (6))