United States (Federal) — AI disclosure rules

10 rules in the plainstamp corpus apply to United States (Federal) (9 mandatory). Each rule cites its source statute or regulatory guidance and includes ready-to-paste plain- and formal-language disclosure templates.

Rules in this jurisdiction

CFPB Circular 2023-03 — adverse-action notices for AI credit decisions (ECOA / Regulation B)

mandatory (Adverse-action notices for AI/ML credit decisions) — last verified 2026-05-08.

The Consumer Financial Protection Bureau, in Circular 2023-03 (issued September 19, 2023), confirmed that creditors using complex algorithms or artificial intelligence to make credit decisions must still provide statements of specific reasons for adverse actions as required by the Equal Credit Opportunity Act (ECOA, 15…

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CMS Medicare Advantage — algorithms / AI in coverage and prior-authorization decisions (CMS-4201-F + Feb 2024 FAQ)

mandatory (42 CFR § 422.101(c) (basis for coverage decisions); 42 CFR § 422.202(b) (consistent application); 42 CFR § 422.566 (organization determinations); 42 CFR § 422.568 (notice of organization determination); CMS FAQ "Coverage Criteria and Utilization Management Requirements in CMS Final Rule (CMS-4201-F)" (February 6, 2024)) — last verified 2026-05-09.

On April 5, 2023, the Centers for Medicare & Medicaid Services published the final rule CMS-4201-F (88 Fed. Reg. 22120), which amended 42 CFR § 422.101(c) and § 422.202 to clarify that Medicare Advantage (MA) organizations making medical-necessity determinations for basic Medicare benefits must base each coverage decis…

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FCC Declaratory Ruling — AI-generated voice in robocalls is an 'artificial or prerecorded voice' under TCPA (February 2024)

mandatory (FCC Declaratory Ruling, CG Docket No. 23-362, FCC 24-17 (released February 8, 2024)) — last verified 2026-05-08.

On February 8, 2024, the U.S. Federal Communications Commission issued a Declaratory Ruling (CG Docket No. 23-362, FCC 24-17) confirming that AI-generated voice clones and other AI-synthesized voices used in calls to consumers are 'artificial or prerecorded voices' within the meaning of the Telephone Consumer Protectio…

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FDA Predetermined Change Control Plans for AI/ML-Enabled Device Software Functions (Final Guidance, December 2024)

mandatory (Predetermined Change Control Plans for Artificial Intelligence-Enabled Device Software Functions: Guidance for Industry and Food and Drug Administration Staff (Final, December 4, 2024)) — last verified 2026-05-08.

On December 4, 2024, the U.S. Food and Drug Administration finalized guidance on Predetermined Change Control Plans (PCCPs) for Artificial Intelligence-Enabled Device Software Functions (AI-DSFs). Under the FD&C Act § 515C (added by the FDA Modernization Act of 2022), a manufacturer of an AI/ML-enabled medical device t…

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FINRA Regulatory Notice 24-09 — AI in customer communications

mandatory (Member-firm obligations when using AI in securities business) — last verified 2026-05-08.

FINRA Regulatory Notice 24-09 (June 27, 2024) addresses member firm use of generative artificial intelligence and other large language model technologies in their securities business. The Notice does not create new rules; it confirms that existing FINRA rules apply to AI-driven customer communications and reminds membe…

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FTC rule on fake reviews and testimonials (16 CFR Part 465)

mandatory (§ 465.2 (fake or false consumer reviews)) — last verified 2026-05-08.

The FTC's Trade Regulation Rule on the Use of Consumer Reviews and Testimonials prohibits the writing, creation, sale, or purchase of consumer reviews or testimonials that are fake or that misrepresent the reviewer's experience, including reviews generated by generative artificial intelligence that purport to be by a p…

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HHS Section 1557 — Patient Care Decision Support Tools nondiscrimination (2024 final rule)

mandatory (45 CFR § 92.210 (Discrimination through the use of patient care decision support tools)) — last verified 2026-05-08.

On May 6, 2024, the U.S. Department of Health and Human Services Office for Civil Rights published a final rule (89 Fed. Reg. 37522) implementing Section 1557 of the Affordable Care Act that imposes nondiscrimination obligations on covered entities' use of 'patient care decision support tools' (PCDSTs) — defined to inc…

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HUD FHEO — AI / algorithmic targeting of housing advertising under the Fair Housing Act (May 2024 guidance)

mandatory (HUD Office of Fair Housing and Equal Opportunity, "Guidance on Application of the Fair Housing Act to the Advertising of Housing, Credit, and Other Real Estate-Related Transactions through Digital Platforms" (May 2, 2024); companion guidance "Guidance on Application of the Fair Housing Act to the Screening of Applicants for Rental Housing" (May 2, 2024)) — last verified 2026-05-09.

On May 2, 2024 the U.S. Department of Housing and Urban Development (HUD) released a companion guidance document — "Guidance on Application of the Fair Housing Act to the Advertising of Housing, Credit, and Other Real Estate-Related Transactions through Digital Platforms" — paired with HUD's tenant-screening AI guidanc…

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HUD FHEO — AI / algorithmic tenant screening under the Fair Housing Act (May 2024 guidance)

mandatory (HUD Office of Fair Housing and Equal Opportunity, "Guidance on Application of the Fair Housing Act to the Screening of Applicants for Rental Housing" (May 2, 2024); companion guidance "Guidance on Application of the Fair Housing Act to the Advertising of Housing, Credit, and Other Real Estate-Related Transactions through Digital Platforms" (May 2, 2024)) — last verified 2026-05-09.

On May 2, 2024, the U.S. Department of Housing and Urban Development (HUD) released two guidance documents addressing the application of the Fair Housing Act (42 U.S.C. §§ 3601-3631) to artificial-intelligence-driven decisions in housing. The first, "Guidance on Application of the Fair Housing Act to the Screening of A…

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EEOC Title VII technical assistance — AI selection procedures (2023)

recommended (EEOC Technical Assistance: Assessing Adverse Impact in Software, Algorithms, and Artificial Intelligence Used in Employment Selection Procedures Under Title VII (May 18, 2023)) — last verified 2026-05-08.

The U.S. Equal Employment Opportunity Commission issued technical assistance on May 18, 2023 addressing the application of Title VII of the Civil Rights Act of 1964 to automated systems and AI used in employment-related selection procedures. The guidance reaffirms that the Uniform Guidelines on Employee Selection Proce…

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