How Florida AI Legislation (Deepfake and AI Disclosure Laws) applies to financial services organizations and the obligations to plan for.
Banks, lenders, insurers, broker-dealers, and fintech firms using AI for credit decisions, underwriting, fraud detection, and consumer interaction.
This law applies to financial services organizations to the extent their AI use falls within the law's scope (see the obligations below). Organizations operating in Florida should treat this law as part of the baseline regulatory obligations alongside any sector-specific federal rules.
Include a clear and conspicuous disclaimer on any political advertisement that uses generative AI to depict a real person performing an action that did not occur, where the advertisement is intended to injure a candidate or deceive a voter. Omission is a first-degree misdemeanor.
Deadline: at_publication
Do not willfully generate, solicit, promote, or possess with intent to promote an altered sexual depiction of an identifiable person without consent, including AI-generated deepfakes. Covered platforms must remove altered sexual depictions and known identical copies within 48 hours of a valid takedown request. Civil exposure includes $10,000 or actual damages for covered violations, plus FDUTPA penalties for takedown failures.
Deadline: 48_hour_takedown
This law applies to financial services organizations to the extent their AI use falls within the law's scope (see the obligations below). The law should be read with the source-derived obligations listed on this page and any sector-specific federal rules that apply to financial services workflows.
Florida AI Legislation (Deepfake and AI Disclosure Laws) has been effective since July 1, 2024.
Florida AI Legislation (Deepfake and AI Disclosure Laws) lists developer, deployer as the role coverage for Florida. The actual duty depends on whether the organization develops, deploys, procures, or uses the covered AI system in the law's scope.
Florida AI Legislation (Deepfake and AI Disclosure Laws) lists a maximum penalty of $15K in the Atlas record. Penalty exposure depends on the source section, violation type, and factual context.
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