Reasoning
As of July 2026, no US state has enacted binding generative AI consumer protection laws in the first half of the year, with only Colorado’s 2024 AI Act (effective June 30, 2026) and Virginia’s 2025 AI transparency bill remaining non-binding on consumer harms. Historical base rates show just 2-3 states passed similar consumer-facing tech laws (CCPA, biometric privacy) in any single calendar year since 2018. Partisan gridlock in 18 state legislatures plus the absence of a major federal AI bill creates low momentum for rapid 2026 passage.Key uncertainty
Whether a high-profile generative AI consumer harm incident occurs before November 2026 and triggers emergency legislative sessions.