Holistic AI：2026年全球人工智能监管态势报告（英文版）（39页）.pdf

1、AI Regulation in 2026EBOOKJANUARY 2026A snapshotAI Regulation in 2026IEBOOKExecutive Summary2025 was a mixed year for AI regulation:although the focus on HR tech,financial services,insurance,and generative AI that was seen in 2024 continued into 2025,the US and EU have both made attempts to soften o

2、r even withdraw AI regulation.HR Tech has long been targeted by policymakers,with the initial focus on video interview laws before a transition to bias audits.Key themes are non-discrimination and transparency,including notification.HR tech is also affected by risk-based laws.Financial Services are

3、already heavily regulated,so AI in financial services is often addressed through testing environments.Insurance is also heavily regulated,so the applicability of existing laws and regulations to insurance has been emphasized,although AI-specific laws,such as Colorados SB169,have been introduced.AI i

4、n insurance is also covered by risk-based laws,typically being grouped with essential private services and essential public services.Dynamic pricing has come under scrutiny in the US in particular.Laws target AI used in various types of dynamic pricing,including rent and ticket prices.Generative AI

5、is a priority of governments around the world,with laws targeting deepfakes and the use of generative AI in the judiciary in particular.AI companions are also targeted,with requirements relating to transparency and disclosure.Risk-based frameworks target multiple AI use cases,either just seeking to

6、govern those that are high-risk/used to make consequential decisions or creating risk tiers with differing obligations based on the level of risk.The EU AI Act represents the most comprehensive risk-based framework and has inspired several others around the world.International cooperation is becomin