MN HF4131

Prohibits businesses from using automated decision systems (including AI and machine learning) to set individualized prices for consumers or wages for workers based on surveillance data such as browsing history, location data, purchase history, biometrics, or personal characteristics

Exempts differential pricing based on actual cost differences, publicly available group discounts (military, seniors, students, etc.), insurer risk-relevant data, and credit decisions based on Fair Credit Reporting Act-covered consumer reports

Exempts individualized wages when based solely on task-specific worker data or cost differences to provide labor, provided employers disclose in plain language what data is used and how the automated system considers it

Requires entities using automated decision systems for pricing or wages to publish procedures ensuring data accuracy, allowing consumers and workers to correct data, and providing information about what data is considered

Effective August 1, 2026