# AI rules in Colorado

Colorado repealed its first-in-the-nation risk-based AI Act (SB 24-205) before it ever applied and replaced it with a narrower automated-decision disclosure law (SB 26-189) effective 1 Jan 2027, whose enforcement is paused by a stipulated federal-court stay (27 Apr 2026) in the suit brought by xAI and joined by the DOJ.

- **Approach:** Targeted binding rules
- **Key bodies:** Colorado Attorney General, Colorado Division of Insurance
- **Last reviewed:** 4 Oct 2026

## Rules (3)
- [Colorado AI Act (SB 24-205)](https://wheresthe.ai/rule/us-co-sb24-205-colorado-ai-act/index.md): Superseded, Law. First US risk-based AI law: required developers and deployers of 'high-risk' AI systems to use reasonable care against algorithmic discrimination, with impact assessments, risk-management programmes, consumer notices and reporting to the Attorney General. Its start date moved from 1 Feb 2026 to 30 Jun 2026 (SB 25B-004) and it was repealed and replaced by SB 26-189 before taking effect.
- [SB 26-189 (Colorado ADMT law)](https://wheresthe.ai/rule/us-co-sb26-189-admt-2026/index.md): Enacted, not yet in force, Law, effective 1 Jan 2027. Requires developers of automated decision-making technology that materially influences consequential decisions (education, employment, housing, lending, insurance, health care, government services) to give deployers technical documentation, and deployers to notify consumers at the point of use and explain the tool's role within 30 days of an adverse decision. Consumers can access and correct data and request meaningful human review; both parties keep records for 3 years.
- [Colorado DOI Reg. 10-1-1](https://wheresthe.ai/rule/us-co-doi-regulation-10-1-1-insurance-ai/index.md): In force, Regulation, effective 15 Oct 2025. Requires life, private passenger auto and health-benefit-plan insurers that use external consumer data, algorithms or predictive models to maintain documented governance and risk-management frameworks designed to detect and prevent unfair discrimination. Implements SB 21-169; the 2025 amendment extended it beyond life insurers.

## Upcoming deadlines
- 1 Jan 2027: Developer documentation, deployer notice and adverse-decision disclosure duties start; AG rules due ([SB 26-189 (Colorado ADMT law)](https://wheresthe.ai/rule/us-co-sb26-189-admt-2026/index.md))

## Programmes and facts
- Division of Insurance AI governance regulation (Reg. 10-1-1) covers life, private auto and health-benefit-plan insurers using external consumer data and models (effective 15 Oct 2025)

---
Canonical page: https://wheresthe.ai/j/us-co/ · Not legal advice.