Regulates developers and deployers of high-risk AI systems used to make or substantially factor into consequential decisions affecting Washington consumers across employment, housing, credit, healthcare, education, insurance, legal services, and criminal justice. Developers must provide deployers with documentation covering intended uses, limitations, discrimination risks, and evaluation summaries before making high-risk AI systems available. Deployers must implement a risk management policy and program, complete pre-deployment impact assessments (retained for three years), disclose AI use to consumers before consequential decisions, and explain adverse decisions. Developers of high-risk generative AI must ensure synthetic content outputs are identifiable and detectable. Creates a private right of action with injunctive relief and attorneys' fees, subject to a 45-day cure affirmative defense. Extensive carve-outs exist for financial institutions subject to ECOA/FCRA, insurers, HIPAA-covered entities, federally approved systems, and sandbox environments.