Texas Department of Insurance Commissioner's Bulletin B-0003-26 — Use of Artificial Intelligence by Insurers (2026)
Texas · Texas Department of Insurance, Commissioner's Bulletin B-0003-26 (June 12, 2026)
The Texas Department of Insurance issued Commissioner's Bulletin B-0003-26 on June 12, 2026, telling insurers that decisions made with artificial intelligence must comply with Texas insurance law: AI-driven decisions may not be inaccurate, arbitrary, capricious, or unfairly discriminatory. Insurers must have a human review and approve consequential AI decisions before they take effect, maintain governance, risk-management, and audit programs for their AI systems, and keep documentation they can produce to TDI on request. TDI will police compliance through examinations and complaint monitoring.
Technical detail
TDI Commissioner's Bulletin B-0003-26 (June 12, 2026). Requirements for insurers using AI: (1) AI-derived decisions must comply with the Texas Insurance Code — not inaccurate, arbitrary, capricious, or unfairly discriminatory; (2) human review AND approval required before consequential AI decisions take effect; (3) governance, risk-management, and audit programs for AI systems; (4) documentation producible to TDI on request; (5) compliance monitored via examinations and complaint monitoring. Interpretive bulletin applying existing statutory authority — not new rulemaking.
Who is protected: Texas insurance consumers — policyholders and claimants subject to AI-driven underwriting, rating, or claims decisions
Who must comply: Insurers and other TDI-regulated entities using artificial intelligence in the business of insurance in Texas
Key facts
| Jurisdiction | Texas |
|---|---|
| Level | State |
| Status | In effect |
| Protection strength | Moderate protection |
| Effective date | 2026-06-12 |
| Enacted | 2026-06-12 |
| Citation | Texas Department of Insurance, Commissioner's Bulletin B-0003-26 (June 12, 2026) |
| Enforced by | Texas Department of Insurance (examinations and complaint monitoring; existing Insurance Code sanctions) |
| Penalties | Existing Texas Insurance Code enforcement tools apply (examination findings, administrative action for violations of insurance law) |
| Topics | insurance AI · consumer protection · automated decision-making |
| Last verified | 2026-07-19 |
| Official source | Commissioner's Bulletin # B-0003-26 — Texas Department of Insurance ↗ |
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Related insurance AI rules elsewhere
- Georgia SB 544 (health insurer AI) · Enacted (not yet in effect)
- Indiana HB 1271 (AI claims downcoding) · In effect
- Utah SB 319 (health insurer AI) · Enacted (not yet in effect)
- NYDFS CL 7 (2024) — Insurance AI Anti-Discrimination · In effect
- NAIC AI Evaluation Tool Pilot (12 states, 2026) · Proposed / pending
- AZ HB 2175 (AI Insurance Denial — Physician Review) · In effect
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