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New Jersey Finance & Banking AI Key Deadlines
Key Deadlines for finance & banking businesses operating in New Jersey. Based on A4115 — Automated Decision Systems (Proposed).
Risk Level
Very High
Max Penalty
TBD
Deadline
2027
Status
Proposed
2027
A4115 — Automated Decision Systems — Takes effect
August 2, 2026
EU AI Act — Full enforcement begins (if serving EU customers)
Ongoing
⚠️ Bias audit requirement — Annual audit required
90 days before any AI deployment
Impact assessment must be completed before deploying new AI systems
Quarterly
Compliance review and documentation update
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Lawyer
$200-500
per hour
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$10K+
per year
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