HB 2318 prohibits any developer or deployer of artificial intelligence in Missouri from advertising or representing that their AI system acts as a mental health professional or provides therapy services. The bill defines artificial intelligence broadly to include systems that learn from data or mimic human cognition, while clarifying that only licensed mental health professionals may offer such services. Violations are treated as consumer protection law violations under Missouri's Merchandising Practices Act, with the Attorney General enforcing the law and imposing civil penalties of $10,000 for first offenses and $20,000 for repeat violations. Individuals may report suspected violations to the Attorney General, who can pursue civil actions for damages, fines, or court-ordered remedies.
HB 2225 establishes a task force to evaluate Missouri's state technology infrastructure, including cloud computing, AI applications, and workforce development programs. The task force includes 5 House members (appointed by leadership), 3 Senate members, and representatives from education, technology, and agriculture sectors. It must report findings and recommendations to the legislature by August 2027, with operations ending January 1, 2028, unless reauthorized. The bill specifies membership rules, evaluation priorities, and a sunset provision requiring renewal by the legislature.
HB 2632 prohibits insurers from using credit reports or insurance credit scores to set rates for auto, property, or renters insurance policies. It directly affects consumers applying for or holding these policies, requiring insurers to disclose if credit data influences rates and providing notice of adverse actions (like higher premiums). Key provisions include mandating disclosure at application, extending dispute resolution periods for credit errors, and requiring insurers to justify rate decisions based on non-credit factors if credit scores are unavailable. The bill excludes mortgage, commercial insurance, and payment plan options, and prohibits using credit inquiries as negative factors in scoring.
SB 1117, nicknamed "The Taylor Swift Act," creates civil liability for sharing intimate digital images (like deepfakes) without consent. It defines "intimate digital depictions" as images showing genitals, sexual acts, or bodily fluids, and requires explicit written consent for disclosure - separate from consent for creating the image. Victims can sue for damages up to $150,000, emotional distress costs, or profits gained by the violator, while protecting platforms from liability if they help restrict access. The law directly affects individuals whose intimate images are shared without consent, and excludes cases involving law enforcement, public interest, or efforts to assist the victim.
HB 2472 prohibits call spoofing (misrepresenting the caller's identity) when making telephone solicitations to business subscribers and residential subscribers who have registered their objection with the Missouri Attorney General. The bill requires the Attorney General to establish a state no-call database for subscribers who opt out of unsolicited calls, making it illegal to solicit anyone on this list. It applies to all solicitation methods, including voice calls, text messages, and messaging services, but includes exceptions for calls with prior permission or recent business contact. The law replaces outdated provisions to specifically address caller ID spoofing as a prohibited practice.
HB 2361 makes it a crime to create, share, or possess nonconsensual digital alterations of a person's sexual images (like deepfakes showing someone in explicit acts they never participated in). It targets platforms hosting user-generated content (e.g., social media, apps) by requiring them to establish a clear removal process for such content by December 2026, allowing victims to request takedowns within 48 hours. Violators face a class C felony charge, and victims can sue for $10,000 or actual damages plus legal fees. The law explicitly states disclaimers about lack of consent do not prevent criminal liability. It directly affects individuals whose images are manipulated without consent and platforms that host such content.
