Iowa · Senate File · 91st General Assembly
SF2415
Iowa Senate File 2415 — A bill for an act relating to provider requirements concerning the mental health of users of an artificial intelligence chatbot, and providing civil penalties

Status ● Introduced Effective N/A Passage Likelihood L

WHAT THIS BILL REGULATES · 3 REQUIREMENT TYPES

How Is This Bill Enforced

Enforcement Authority
Attorney general enforcement authority. A violation of the chapter is an unfair practice under Iowa Code § 714.16 (consumer fraud). No private right of action is created by the bill itself; enforcement is agency-initiated through the attorney general.
Private Right of Action
No private right of action. Enforcement is exclusive to the designated authority.
Penalties
Violations are unfair practices under Iowa Code § 714.16, punishable by injunction, disgorgement of moneys, restoration of improperly acquired moneys, and a civil penalty of up to $40,000 per violation.

What This Bill Requires

Verbatim statutory text on the left; plain-language analysis and a per-section checklist on the right. Numbered markers cross-link to the matching checklist row.

Statutory Text
Analysis & Obligations
Iowa Code § 554J.1
Definitions

(1) "Artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1)" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.

(2) "Mental health adviceMental health advice"Mental health advice" means a statement, recommendation, or response purporting to diagnose, treat, mitigate, or address emotional distress, a psychological disorder, self-harm, suicidal ideation, or another mental health concern.Iowa Code § 554J.1(2)" means a statement, recommendation, or response purporting to diagnose, treat, mitigate, or address emotional distress, a psychological disorder, self-harm, suicidal ideation, or another mental health concern.

(3) "ProviderProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3)" means a person that designs, deploys, or operates an artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) that is accessible to users in this state.

Section 554J.1 establishes three defined terms for the chapter. Artificial intelligence chatbot is defined broadly to cover any software using NLP or similar ML techniques to simulate conversation or generate human-like responses — this is not limited to companion or therapeutic chatbots. Provider encompasses designers, deployers, and operators of such chatbots accessible to Iowa users, combining developer and deployer roles into a single covered entity. Mental health advice is defined functionally by reference to the nature of the output (diagnosing, treating, mitigating, or addressing mental health concerns).

Iowa Code § 554J.2
Prohibited conduct — crisis intervention required
DeployerDeveloper

(1) 1 A providerProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) shall not design or operate an artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) in a manner that allows the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) to offer or simulate professional mental health adviceMental health advice"Mental health advice" means a statement, recommendation, or response purporting to diagnose, treat, mitigate, or address emotional distress, a psychological disorder, self-harm, suicidal ideation, or another mental health concern.Iowa Code § 554J.1(2).

(2) 2 An artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) shall not represent itself as a licensed professional or offer services that would require licensure under chapter 154B or 154D.

(3) 3 A providerProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) shall implement reasonable protocols to have the providerProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3)'s artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) detect expressions of self-harm, suicidal ideation, or emotional distress by users. Upon detection of such expressions, the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) shall refer the user to appropriate crisis services, including but not limited to the national suicide prevention lifeline, the Iowa crisis hotline, or emergency services.

Section 554J.2 imposes three distinct obligations on providers. Subsection 1 prohibits providers from designing or operating a chatbot that offers or simulates professional mental health advice. Subsection 2 prohibits the chatbot itself from representing itself as a licensed professional or offering services requiring licensure under Iowa chapters 154B (psychology) or 154D (behavioral science). Subsection 3 requires providers to implement reasonable detection protocols for self-harm, suicidal ideation, and emotional distress, with mandatory referral to crisis services upon detection.

The prohibition in subsection 1 is broad — it applies to any chatbot, not just those marketed for mental health purposes. The crisis referral obligation in subsection 3 names the national suicide prevention lifeline, the Iowa crisis hotline, and emergency services as examples of appropriate referral targets.

Compliance actions 3 items
1
ProvidersProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) must not design or operate an artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) in a manner that allows the chatbot to offer or simulate professional mental health adviceMental health advice"Mental health advice" means a statement, recommendation, or response purporting to diagnose, treat, mitigate, or address emotional distress, a psychological disorder, self-harm, suicidal ideation, or another mental health concern.Iowa Code § 554J.1(2).
CP-01.9
2
ProvidersProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) must ensure that their artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) does not represent itself as a licensed professional or offer services that would require licensure under Iowa chapter 154B (psychology) or chapter 154D (behavioral science).
CP-01.9
3
ProvidersProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) must implement reasonable protocols to detect user expressions of self-harm, suicidal ideation, or emotional distress. Upon detection, the chatbot must refer the user to appropriate crisis services, including the national suicide prevention lifeline, the Iowa crisis hotline, or emergency services.
S-04.1
Iowa Code § 554J.3
Required disclosures and disclaimers
DeployerDeveloper

(1) 4 Each artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) accessible to a user in this state shall explicitly disclose in clear, conspicuous, and easily understood language that the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) is artificial intelligence, is not a human, and is not a substitute for professional mental health care.

(2)(a)–(c) 4 A disclosure required under this section shall appear at all of the following times: a. At the beginning of the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1)'s interaction with a user prior to providing the user with a response to user input. b. At regular intervals during a user's continuous interaction with the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1). c. When the artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) generates a response related to emotional well-being, mental health, or self-harm.

Section 554J.3 imposes a multi-point disclosure obligation. Subsection 1 requires every AI chatbot accessible to Iowa users to disclose in clear, conspicuous, and easily understood language that it is artificial intelligence, is not a human, and is not a substitute for professional mental health care. Subsection 2 specifies three mandatory disclosure timing points: (a) at the beginning of each interaction before providing a response; (b) at regular intervals during a user's continuous interaction; and (c) whenever the chatbot generates a response related to emotional well-being, mental health, or self-harm.

The content of the disclosure is broader than a typical AI-identity disclosure — it includes an affirmative statement that the chatbot is not a substitute for professional mental health care. The 'regular intervals' requirement is not further defined; the bill delegates that specification to HHS rulemaking under § 554J.6.

Compliance actions 1 item
4
ProvidersProvider"Provider" means a person that designs, deploys, or operates an artificial intelligence chatbot that is accessible to users in this state.Iowa Code § 554J.1(3) must ensure that each artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) accessible to Iowa users explicitly discloses in clear, conspicuous, and easily understood language that it is artificial intelligence, is not a human, and is not a substitute for professional mental health care. This disclosure must appear (1) at the beginning of the chatbot's interaction with a user before providing any response, (2) at regular intervals during continuous interactions, and (3) whenever the chatbot generates a response related to emotional well-being, mental health, or self-harm.
T-01.1
Iowa Code § 554J.4
Enforcement and penalties

(1) The attorney general shall have authority to enforce this chapter.

(2) A violation of this chapter is an unfair practice under section 714.16.

Section 554J.4 designates the attorney general as the enforcement authority and classifies violations of chapter 554J as unfair practices under Iowa Code § 714.16, Iowa's consumer fraud statute. This incorporation makes the full range of § 714.16 remedies available — injunction, disgorgement, restitution, and civil penalties up to $40,000 per violation.

Iowa Code § 554J.5
Limitations

This chapter shall not be construed to impose liability on an educational institution or a library solely for providing access to general-use software or the internet.

Section 554J.5 is a savings clause exempting educational institutions and libraries from liability under the chapter when the institution's sole connection is providing access to general-use software or the internet. This is a narrow carve-out — it does not exempt an educational institution that itself designs, deploys, or operates a chatbot.

Iowa Code § 554J.6
Rulemaking authority

5 The department of health and human services, in consultation with the chief information officer of the department of management, shall adopt rules to implement this chapter. Rules shall include but not be limited to all of the following: 1. Standards for detection protocols for self-harm, suicidal ideation, and emotional distress. 2. Acceptable formats for providing disclosures under section 554J.3. 3. Safe use guidelines for artificial intelligence chatbotArtificial intelligence chatbot"Artificial intelligence chatbot" means a software program or application that uses natural language processing or similar machine-learning techniques to simulate human conversation or generate human-like responses to user input.Iowa Code § 554J.1(1) technologies.

Section 554J.6 delegates rulemaking authority to the Iowa Department of Health and Human Services, in consultation with the chief information officer of the Iowa Department of Management. The rules must cover at minimum: (1) standards for detection protocols for self-harm, suicidal ideation, and emotional distress; (2) acceptable formats for providing disclosures under § 554J.3; and (3) safe use guidelines for AI chatbot technologies. This section creates no direct compliance obligation for providers but signals that substantive compliance standards will be developed through the administrative process.

Iowa Code § 714.16(2)(t)
Conforming amendment — consumer fraud unlawful practices

(t) It is an unlawful practice for a person to violate chapter 554J.

Section 7 of the bill amends Iowa Code § 714.16, subsection 2, by adding a new paragraph (t) declaring it an unlawful practice for a person to violate chapter 554J. This is the conforming amendment that integrates chapter 554J violations into Iowa's existing consumer fraud enforcement framework.

Passage Likelihood

Low
Status Introduced
Chamber No passage
Committee No action
Majority party No
Bipartisan No
Prior session None

Legislative History

2026-02-19 Introduced, referred to Technology. S.J. 330.
2026-02-24 Subcommittee: McClintock, Bennett, and Sires. S.J. 393.

Entry Last Reviewed

2026-05-20
AI generated