SB 21-169 (2021), Insurers' Use of External Consumer Data and Information Sources, Algorithms, and Predictive Models

C.R.S. 10-3-1104.9

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What follows is LexLint's own research summary of this law, not legal advice.

In force since 7 September 2021.

An AI sector rules rule binding private bodies.

As of 23 September 2026.

What it requires

Do not unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression, in any insurance practice.
Where the Commissioner of Insurance has adopted implementing rules for your type of insurance and practice, do not use an external consumer data and information source, or an algorithm or predictive model that uses one, in a way that unfairly discriminates on those same grounds.
Cooperate with the Commissioner and the Division of Insurance in any examination or investigation of your use of an external consumer data and information source, algorithm, or predictive model.
This duty does not reach title insurance, a surety bond, or most commercial insurance policies; it does reach a business owners' policy or a commercial general liability policy with an annual premium of ten thousand dollars or less.

Who enforces it

Enforcement body

Colorado Commissioner of Insurance and the Division of Insurance

Who checks it

Audit expectation

on_request

Who audits it

Regulator

What this law does

Drafted with AI from the cited sources under the direction of UnGovr staff. UnGovr holds editorial responsibility for this page.

An insurer may not unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression in any insurance practice, and, once the Commissioner of Insurance adopts implementing rules for a type of insurance, may not use an external consumer data and information source (ECDIS), or an algorithm or predictive model that uses one, in a way that has that same discriminatory effect.

The duty does not reach title insurance, a surety bond, or most commercial insurance policies, though it does reach a business owners' or commercial general liability policy carrying an annual premium of ten thousand dollars or less. The Commissioner's implementing rules for a given insurance type are Division of Insurance Regulation 10-1-1 (3 CCR 702-10), held as its own instrument in this topic.

When LexLint raises it

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provides_financial_services

Read the law

SB 21-169, official signed act text, Colorado General Assembly

Every line above is drawn from the primary source linked here, read on the date shown. This is a research summary, not legal advice.

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