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ARTICLE · 02 OCTOBER 2026

The Statute Was The Threat. The Rule Is The Invoice.

Troutman Amin LLP
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Colorado's proposed AI rules transform abstract compliance obligations into concrete operational requirements for financial institutions and businesses deploying automated decision-making systems and customer-facing chatbots. The regulations specify exactly how lenders must explain loan denials, what conversational AI systems must disclose to users, and which documentation companies must maintain to satisfy the Attorney General's enforcement authority under both the Automated Decision-Making Technology Act

United StatesTechnology
William Fife III
William Fife III
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What Colorado’s proposed AI rules demand of the model behind your loan and the bot in front of your customer

Two systems you run now report to the Colorado Attorney General: the model that decides who gets your loan, and the chatbot that consoles the applicants you turned down. On August 11, 2026, the Attorney General filed proposed rules that put operating detail behind both the Automated Decision-Making Technology Act and the brand-new Chatbot Safety Act.1 Comments close October 26, 2026. Both statutes take effect January 1, 2027. If you extend credit, collect debt, or run a support bot that greets Colorado residents, the draft sitting on the Attorney General’s desk is the draft you will answer.

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