AI use in insurance pricing, underwriting, claims processing, or fraud detection. Here is what Tennessee businesses need to know in 2026.
Tennessee has enacted ELVIS Act — AI Voice/Likeness. AI-generated voice and likeness replicas require consent. Strongest protections for artists.
State law does not replace federal law — you must comply with both. These federal rules apply to insurance ai nationwide:
Tennessee's ELVIS Act — AI Voice/Likeness applies to most businesses with limited exemptions. Even businesses with under 50 employees should review requirements. Always review the specific statute for employee count and revenue thresholds.
The key deadline in Tennessee is July 1, 2026. This law is already in effect — you must comply now.
Tennessee penalties for AI non-compliance: Civil damages. Enforcement is active. The state AG has authority to investigate and fine without prior warning.
Federal law does not currently preempt state AI laws. Tennessee's ELVIS Act — AI Voice/Likeness applies independently of federal rules. Federal laws like ECOA, FCRA, and HIPAA also apply alongside state law — so you must comply with both.
Best practice: document all AI systems used, conduct an internal audit, implement required disclosures, and keep records for at least 3 years. For very high-risk uses like insurance ai, consider hiring an independent third-party auditor to validate compliance.
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