Artificial Intelligence

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Pennsylvania has enacted legislation imposing new disclosure requirements on certain advertisements that use artificial intelligence (AI)-generated or AI-modified content. Senate Bill 806, now Act 99 of 2026, was signed into law by Governor Josh Shapiro on October 22, 2026. The statute, titled the Artificial Intelligence Deceptive Advertising Act, establishes a disclosure requirement for advertisers whose use of synthetic content creates a false consumer perception about the nature, origin, or authenticity of the goods or services being advertised.… Continue Reading

Executive Summary

On October 20, 2026, the New York City Department of Consumer and Worker Protection (DCWP) proposed rules regulating automated customer service systems, including AI-powered chatbots, traditional automated telephone systems, and rules-based chatbots. The proposal would require businesses to disclose at the outset that consumers are interacting with an automated system, provide specified means of accessing human assistance, maintain detailed compliance records, and avoid misleading representations about customer service availability.… Continue Reading

Artificial intelligence is increasingly changing single‑plaintiff consumer litigation, particularly by enabling pro se plaintiffs to file longer, more citation‑dense complaints more quickly, while simultaneously giving defense counsel tools to assess cases, identify weaknesses, and pursue early resolution or dismissal strategies. In the first episode of this series focusing on consumer financial services litigation, Joseph Schuster and Matthew Morr, partners at Ballard Spahr in our Consumer Financial Services Group, discuss both the tactical opportunities and the professional responsibility/ethics risks created by AI use in litigation.… Continue Reading

On September 29, President Trump brought together many of the leading executives in artificial intelligence for a White House meeting focused on the risks associated with increasingly powerful “frontier” AI systems. The meeting produced a one-page document entitled the “White House Accord on Super Intelligence, Joint Commitment on Frontier Responsibilities.”… Continue Reading

Artificial intelligence is rapidly transforming consumer financial services, and consumer debt collection is no exception. AI already is being used in a variety of first-party and third-party consumer debt collection activities, ranging from account scoring and communication strategies to payment-plan optimization and compliance monitoring.

In our Consumer Finance Monitor podcast show being released today, our special guest John McNamara, Chief Growth Officer at Avtal (a fintech and software as a service (SAS) company that provides an AI-powered, white-labeled digital engagement platform to help third-party consumer debt collection agencies automate communication and process self-service payments) and  a former CFPB senior official who played a significant role in developing Regulation F promulgated under the Federal Debt Collection Practices Act explained that the debt collection industry needs to distinguish genuine AI applications from the marketing hype surrounding the technology.… Continue Reading

The Conference of State Bank Supervisors (CSBS) on September 16, 2026 released an Artificial Intelligence Supervisory Framework designed to help state financial examiners identify and understand how the bank and non-bank institutions they regulate are using artificial intelligence, assess the associated risks, and determine when a more in-depth review may be appropriate.… Continue Reading

Artificial intelligence is rapidly moving from helping consumers make purchasing decisions to making those decisions for them. So-called “agentic AI” or “AI shopping agents” could search for financial products, compare prices and terms, negotiate with providers, open or close accounts, switch providers and complete transactions without the consumer participating in each step.… Continue Reading

On August 11, 2026, the Colorado Department of Law published its much anticipated Automated Decision-Making Technology (ADMT) and Conversational AI Service Rules (the “Draft Rules”). The ADMT Draft Rules provide guidance on the newly amended Colorado AI Act.

The Draft Rules – which were required to be written on an expedited basis by the amended Act – cover various different issues that will be critical to deployer and developer compliance.… Continue Reading

In the latest episode of the Consumer Finance Monitor podcast that we are releasing today, we explore a topic that is becoming increasingly important for financial services companies and virtually every other business operating in today’s digital economy: how privacy, cybersecurity, and AI governance can be transformed from compliance obligations into sources of customer confidence, resilience, and competitive advantage.… Continue Reading

The Senate Judiciary Committee’s Subcommittee on Crime and Counterterrorism held an unusually consequential hearing on August 4 entitled “Your Data, Their Profit: The Consumer Cost of AI Surveillance Pricing.”

The hearing produced something that has become increasingly rare in Washington: substantial bipartisan agreement that Congress should do something about the use of consumers’ personal data to set individualized prices.… Continue Reading