WA HB2157

Regulates high-risk AI systems that autonomously make or substantially influence "consequential decisions" affecting consumers in areas including employment, housing, lending, healthcare, education, insurance, and criminal justice

Requires developers (businesses earning over $100,000 annually) to disclose intended uses, known limitations, algorithmic discrimination risks, and mitigation measures to deployers before selling or licensing high-risk AI systems

Mandates deployers complete impact assessments before deployment, implement risk management programs, notify consumers when interacting with AI, and explain adverse decisions including how the AI contributed to the outcome

Prohibits algorithmic discrimination based on protected characteristics (age, race, disability, sex, religion, etc.) and creates a rebuttable presumption of reasonable care for developers and deployers who comply with the requirements

Establishes private right of action allowing individuals to sue for violations, with 45-day cure period as affirmative defense; exempts insurers regulated by the insurance commissioner, federally-approved systems, and certain healthcare applications; effective January 1, 2027