AI Regulation ReferenceDoes Colorado Protecting Consumers from Unfair Discrimination in Insurance Practices require Bias & Discrimination Prevention?
Colorado • enforcing
Yes — 1 provision
Requirements at a glance
This regulation imposes 3 specific requirements for Bias & Discrimination Prevention across 1 provision:
- Non-discrimination — Insurers must not use algorithms or predictive models that unfairly discriminate based on protected characteristics
- Protected classes — Race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, gender expression
- Demonstration obligation — Commissioner may require insurers to demonstrate their algorithms do not result in unfair discrimination
Prohibition on Algorithmic Discrimination in Insurance #
Predates most US AI laws; sector-specific but establishes an early template for algorithmic discrimination regulation. Insurance industry must proactively demonstrate non-discrimination.
Requirements
| Requirement | Details |
|---|---|
| Non-discrimination | Insurers must not use algorithms or predictive models that unfairly discriminate based on protected characteristics |
| Protected classes | Race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, gender expression |
| Demonstration obligation | Commissioner may require insurers to demonstrate their algorithms do not result in unfair discrimination |
Penalties
| Violation | Fine |
|---|---|
| Per violation | Up to $3,000; up to $30,000 per knowing violation |