Tennessee insurance AI regulation

Tennessee has not adopted the NAIC model bulletin. It has enacted SB 1580, Public Chapter 647, effective 2026-07-01.

Details

Jurisdiction	Tennessee (TN)
NAIC model bulletin	Not adopted
Source	Implementation of NAIC Model Bulletin: Use of AI Systems by Insurers, as of 2026-08-06

Other AI-related insurance activity

Measure	Status
SB 1580, Public Chapter 647 Bars developers/deployers of an AI system from advertising or representing that it is, or can act as, a qualified mental health professional. Targets consumer-facing representations, not clinician-supervised use. Violations are unfair or deceptive acts under the Tennessee Consumer Protection Act; civil penalties up to $5,000 per violation; explicit private right of action. source	enacted, effective 2026-07-01

Measure

Status

SB 1580, Public Chapter 647
Bars developers/deployers of an AI system from advertising or representing that it is, or can act as, a qualified mental health professional. Targets consumer-facing representations, not clinician-supervised use. Violations are unfair or deceptive acts under the Tennessee Consumer Protection Act; civil penalties up to $5,000 per violation; explicit private right of action.
source

enacted, effective 2026-07-01

Context

Of 51 tracked US jurisdictions, 25 have adopted the NAIC model bulletin, 4 run their own insurance-specific AI framework (California, Colorado, New York and Texas), and 22 have not adopted it but have other tracked AI-related insurance activity. The bulletin restates that existing unfair trade practice and unfair discrimination law applies to AI-driven decisions; it does not create new statutory obligations.

Two tracks. Insurance AI regulation runs on two largely independent tracks: the NAIC model bulletin (governance, all lines), and a 2026 wave of health-insurance statutes restricting AI as the sole basis for claim or coverage denial. A state can be active on the second while absent from the first. Absence from the NAIC map is not absence of regulation.

See all 51 jurisdictions · This record as JSON