Every entry is dated and sourced to a primary regulatory document or verified reporting. Updated as new deadlines are confirmed. Last updated: August 2026.
Requires insurers using AI in underwriting/pricing to maintain governance frameworks, board oversight, and third-party vendor due diligence
Texas
TRAIGA (HB 149)
Effective January 1, 2026
Active
Bans specific AI uses (self-harm incitement, CSAM deepfakes, government social scoring); requires state agency AI-use disclosure
California
SB 53 (Transparency in Frontier AI Act)
Effective January 1, 2026
Active
Frontier AI developer transparency obligations
United States (insurance market)
Verisk/ISO standardized GenAI exclusions
Effective January 1, 2026
Active
Standard commercial liability policy language now excludes generative AI-related claims by default
South Korea
AI Basic Act - Enforcement Decree
In force since January 22, 2026
Active, penalties deferred
Requires named responsible manager and interruption/rollback mechanisms for high-impact AI systems
European Union
AI Act - Article 50 transparency obligations
In force since August 2, 2026
Active
Requires disclosure when users interact with AI systems or are exposed to AI-generated/manipulated content
California
AI Transparency Act (SB 942/AB 853)
In force since August 2, 2026 (delayed from Jan 1, 2026)
Active
Requires AI-content detection tools and watermarking on qualifying platforms
European Union
AI Act - Regulation (EU) 2026/1744 (Digital Omnibus)
In force since July 27, 2026
Regulation in force; high-risk obligations deferred
Annex III standalone high-risk obligations deferred to December 2, 2027; Annex I embedded high-risk deferred to August 2, 2028; Article 50 transparency unchanged (August 2, 2026), except the watermarking sub-obligation and new Article 5 NCII/CSAM prohibition, both deferred to December 2, 2026