The European Union’s AI Act, formally Regulation (EU) 2024/1689, is the world’s first comprehensive regulatory framework for artificial intelligence. As a pioneering effort, its primary goal is to ensure the responsible use of AI, applying directly and uniformly across all industries and EU member states. The Act supports innovation and promotes the adoption of human-centric, trustworthy AI while safeguarding health, safety, fundamental rights, the rule of law, and environmental sustainability.
As global regulatory frameworks for artificial intelligence remain fragmented and inconsistent, organisations operating across multiple jurisdictions face significant challenges. In the United States, regulation follows a decentralised, innovation-oriented model, largely based on voluntary, sector-specific guidelines. China, by contrast, emphasises a state-driven approach, prioritising national security and centralized control over AI technologies. The European Union, meanwhile, has adopted one of the most comprehensive regulatory stances to date, focusing on consumer protection, human oversight, and accountability as the pillars of its AI strategy. This article provides a brief overview of the recently published AAE Discussion Paper - Navigating Europe’s AI Act: Insights for Actuaries and the Insurance Sector.
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