Bulletin 24-B-19: The Use of Artificial Intelligence Systems in Insurance (NAIC Model Bulletin adopted by the North Carolina Department of Insurance)

Summary

The North Carolina Department of Insurance issued Bulletin 24-B-19 on December 18, 2024, its version of the NAIC Model Bulletin on insurers' use of AI. It reminds insurers authorized in North Carolina that decisions affecting consumers that are made or supported by AI systems must comply with existing insurance law, including the rules on unfair trade practices and unfair discrimination. It sets the regulator's expectations for a written AI systems program (governance, risk management, internal controls and oversight of third-party AI vendors) and describes the information the regulator may request in an investigation or market conduct examination. This record covers the bulletin only; it is regulatory guidance, not a statute.

Key dates

1. December 18, 2024Takes effect
2. October 16, 2026Checked against sources
3. October 21, 2026Checked against sources

Developments are added when the record is reviewed. Next review: January 15, 2027.

Evidence

Each passage is quoted from its source. The quoted passages are re-checked against the live pages every month.

1. 24-B-19 TO: All Insurers Licensed to Do Business In North Carolina ("Insurers") FROM: Mike Causey, Commissioner of Insurance DATE: December 18, 2024

   Supports: Bulletin number, issuer, date

   Bulletin 24-B-19: The Use of Artificial Intelligence Systems in Insurance North Carolina Department of Insurance Primary source