Bulletin 2026-2: Use of Algorithms, Predictive Models, and Artificial Intelligence in Insurance (North Dakota Insurance and Securities Department)

Summary

North Dakota's Insurance Commissioner issued Bulletin 2026-2 on October 5, 2026, to all insurers licensed in the state. It reminds insurers that decisions affecting consumers that are made or supported by AI systems and other advanced analytical technologies must comply with existing insurance law, including the law on unfair trade practices; sets the Department's expectations for how insurers govern the development, acquisition and use of such systems; and describes the information the Department may request in an investigation or examination. It is regulatory guidance, not a statute, and follows the NAIC Model Bulletin according to a third-party tracker. No comprehensive private-sector AI statute was identified for North Dakota, but that absence was not confirmed against a primary source.

Key dates

1. October 5, 2026Takes 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. BULLETIN 2026-2 TO: All Insurers Licensed to Do Business In North Dakota ("Insurers") FROM: Jon Godfread, Commissioner DATE: October 5, 2026

   Supports: Number, addressees, issuer, date

   to remind all Insurers that hold certificates of authority to do business in the state that decisions impacting consumers that are made or supported by advanced analytical and computational technologies, including artificial intelligence

   Supports: Purpose

   Bulletin 2026-2: Use of Algorithms, Predictive Models, and Artificial Intelligence in Insurance North Dakota Insurance and Securities Department Primary source

2. Bulletin 2026-2 Use of Algorithms, Predictive Models, and Artificial Intelligence in Insurance

   Supports: Title as listed on the regulator's bulletin index

   Bulletins North Dakota Insurance and Securities Department Primary source

3. North Dakota ND Bulletin 2026-2 Oct 5, 2026 Adopted

   Supports: Counted as an NAIC model bulletin adoption (tracker)

   NAIC AI Model Bulletin Adoption by State: Status and Map InsureAI Wire Tracker or database