TX TDI Bulletin B-0003-26 (AI in insurance)
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)
- Status
- In effect
- Took effect
- June 12, 2026
- Applies to
- Insurers and other TDI-regulated entities using artificial intelligence in the business of insurance in Texas
- Enforced by
- Texas Department of Insurance (examinations and complaint monitoring; existing Insurance Code sanctions)
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.
Who is protected: Texas insurance consumers — policyholders and claimants subject to AI-driven underwriting, rating, or claims decisions
Legal 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.
Key facts
| Jurisdiction | Texas |
|---|---|
| Level | State |
| Strength | Moderate |
| Enacted | June 12, 2026 |
| Citation | Texas Department of Insurance, Commissioner's Bulletin B-0003-26 (June 12, 2026) |
| 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 |
| Agency page | Commissioner's Bulletin # B-0003-26 — Texas Department of Insurance |
More AI rules in Texas
- Texas Gov. Abbott data center grid-connection audit freeze · In effect
- Texas HB 3512 government AI training mandate (2025) · In effect
- Texas TWDB data center water reporting penalties (2026) · In effect
- Texas Abbott halt on state funding for Flock cameras (2026) · In effect
- Texas AG data center water-reporting investigation (2026) · In effect
- Texas Abbott directive: TCEQ data center permit pause (2026) · In effect
Related insurance AI rules elsewhere
- 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
- Illinois SB 3114 — Transparency in Downcoding Act · Enacted (not yet in effect)
- PA AG — GEICO AI Underwriting Settlement · In effect
- Nebraska LB 77 (no AI-only prior-auth denials) · In effect
See something wrong or out of date? Submit a correction. Every entry must carry a verifiable source.