HB880

Louisiana Artificial Intelligence Insurance Fairness Act regulates AI use in insurance to prevent discrimination.

The Louisiana Artificial Intelligence Insurance Fairness Act establishes standards for insurers using AI in underwriting, rating, and claims. Insurers must conduct annual audits for disparate impact, file notices before deploying new AI systems, and adopt AI governance policies. Prohibited variables include credit scores, social media data, and consumer purchasing patterns. Insurers must provide consumers with AI use disclosures, explanations for adverse actions, and a right to human review. The commissioner can conduct examinations, promulgate rules, and enforce compliance.