| Intentional discrimination prohibited | No person may develop or deploy an AI system with **intent** to unlawfully discriminate against a protected class |
| Disparate impact insufficient | Disparate impact alone does not establish intent to discriminate (§ 552.056(c)) |
| Insurance entity carve-out | Insurance entities subject to existing unfair discrimination statutes are exempt (§ 552.056(d)) |
| Banking safe harbor | Federally insured financial institutions in compliance with federal and state banking laws are deemed compliant (§ 552.056(e)) |
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