Artificial Intelligence · Bermuda
AI regulation in Bermuda (2026)
Bermuda shaded by its artificial intelligence status
Bermuda has no comprehensive AI law. The Government has adopted an internal AI Policy setting ethics, transparency and human-in-the-loop principles for public-sector use, while the BMA is consulting (discussion paper July 2025, stakeholder letter Feb 2026) on an outcomes-based, principles-led framework for AI in financial services to be embedded in existing regulation rather than as stand-alone AI rules. A final BMA proposal is targeted for Q3 2026.
Key points
Bermuda's Government adopted an AI Policy applying to all government employees and consultants using AI for official purposes, built on ethics, accountability, transparency and equity, with a phased pilot-based rollout. It is an internal governance instrument, not legislation binding the private sector.
The policy requires a human to review AI decisions that affect people's rights or government services, and mandates that AI systems be explainable and auditable, with regular risk assessments and audits to mitigate bias.
AI use must comply with Bermuda's Personal Information Protection Act (PIPA) for privacy/data protection and the Public Access to Information Act (PATI); there is no separate AI statute, so existing laws govern data and transparency aspects.
The Bermuda Monetary Authority published a discussion paper, 'The Responsible Use of Artificial Intelligence in Bermuda's Financial Services Sector,' on 30 July 2025, proposing an outcomes-based risk-management approach with board-level accountability and AI inventory/risk assessment across five dimensions (impact severity, autonomy/human oversight, complexity/explainability, data sensitivity, deployment context).
Feedback closed 30 September 2025; a stakeholder letter in February 2026 confirmed a principles-led approach and that respondents favoured embedding AI governance in existing regulation rather than stand-alone AI rules. The BMA is issuing further consultation in 2026 with a final proposal targeted for Q3 2026.
Bermuda has not enacted an EU AI Act-style comprehensive law, nor binding sectoral AI obligations yet; the in-force position is voluntary/internal guidelines plus existing data and information laws, with financial-sector measures still at the consultation stage.
Timeline - major decisions & events
The Bermuda Monetary Authority issued a Stakeholder Letter summarising responses to its 2025 AI discussion paper; respondents backed an outcomes-based, risk-based approach and urged integrating AI oversight into existing enterprise risk frameworks rather than building duplicative AI-specific structures. It signals the direction of forthcoming AI rules.
The Royal Gazette ↗The BMA published 'The Responsible Use of Artificial Intelligence in Bermuda's Financial Services Sector,' proposing an outcomes-based, principles-led risk-management framework with board accountability and a five-dimension risk assessment. It launched the consultation that will shape Bermuda's first AI rules for insurers and other regulated firms, with a final proposal targeted for Q3 2026.
Bermuda Monetary Authority ↗Minister Diallo Rabain announced a comprehensive AI Policy governing all government employees and consultants using AI, built on a human-in-the-loop principle, transparency/explainability, bias risk assessments, PIPA/PATI compliance, and a new AI Governance Sub-Committee. It is Bermuda's first formal public-sector AI governance framework.
Government of Bermuda ↗Bermuda's GDPR-style data-protection law became fully operative, regulating automated processing of personal information and giving the Privacy Commissioner enforcement powers. It is the principal statute constraining how AI systems may use personal data in Bermuda.
Office of the Privacy Commissioner ↗The Authority released its first survey of AI/ML adoption among Bermuda insurers (38% overall, 68% of groups), flagging concerns over explainability, bias, security and transparency, and signalled it would supervise AI on a risk-based basis. It marked the BMA's entry into AI oversight of the re/insurance market.
Bermuda Monetary Authority ↗PATI gave the public a right to access government records and created an independent Information Commissioner. It underpins the transparency and auditability obligations later embedded in Bermuda's 2025 government AI Policy.
Government of Bermuda ↗Bermuda - other topics
Last verified 5/23/2026 · Orientation, not legal advice - verify against the primary sources linked above. Explore the full world map →