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Texas Finance & Banking AI Key Deadlines
Key Deadlines for finance & banking businesses operating in Texas. Based on TRAIGA — Texas Responsible AI Governance Act (In Effect).
Risk Level
Very High
Max Penalty
Varies by violation type
Deadline
January 1, 2026
Status
In Effect
January 1, 2026
⚠️ TRAIGA — Texas Responsible AI Governance Act — ALREADY IN 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
Enterprise tool
$10K+
per year
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