Executive Order 14365
A December 2025 Trump administration order directing federal agencies to challenge state AI laws that conflict with a minimally burdensome national framework.
Executive Order 14365, signed on December 11, 2025, establishes a federal policy framework for artificial intelligence and directs agencies to challenge state AI laws that conflict with it. The order argues that state-by-state AI regulation creates a patchwork, may require ideological bias, and can regulate beyond state borders. It specifically cites Colorado’s SB 24-205 as an example of excessive regulation.
The order does not create new federal insurance law, repeal McCarran-Ferguson, or mention insurance. It sets up a federal mechanism to challenge state laws through litigation and a Commerce Department review, while Congress considers national legislation. For insurers, the daily compliance obligation remains state-by-state for now, and the order is a legal and political risk to monitor rather than a rule to follow.
The NAIC publicly opposed the order, urging the administration to affirm state regulation of AI in insurance. See our analysis of what EO 14365 means for state insurance regulation.