AI regulation in Bermuda: laws & policy (2026)

Legal framework

Government of Bermuda Artificial Intelligence (AI) Policy (adopted March 2025, applying to public sector use) complemented by the Bermuda Monetary Authority (BMA) Discussion Paper on the Responsible Use of AI in Bermuda's Financial Services Sector (30 July 2025, still in consultation). No comprehensive AI statute is in force; the Personal Information Protection Act (PIPA) and existing sectoral rules apply where AI processes personal data.

Key points: artificial intelligence in Bermuda

1. 01Government AI Policy (public sector)

   The Cabinet Office / Ministry of Digital Innovation adopted a comprehensive AI Policy on 28 March 2025 that applies to government employees and consultants using AI for official purposes. It requires human-in-the-loop review of AI decisions affecting rights or services, PIPA and PATI compliance, transparency/explainability, regular risk assessments and an AI governance sub-committee overseeing phased pilots.

   gov.bm bernews.com royalgazette.com

2. 02BMA Discussion Paper on AI in financial services

   On 30 July 2025 the Bermuda Monetary Authority published 'The Responsible Use of Artificial Intelligence in Bermuda's Financial Services Sector' — a principles-based discussion paper covering board accountability, risk-based assessments (impact, autonomy, data sensitivity), model validation, explainability, human oversight, cybersecurity and treatment of generative/agentic AI. Consultation closed 30 September 2025; further consultation is due in Q1 2026 with a final proposal targeted for Q3 2026.

   cdn.bma.bm bma.bm harneys.com

3. 03No comprehensive AI statute

   Bermuda has not enacted an omnibus AI law comparable to the EU AI Act, nor a licensing regime for AI systems. AI is regulated indirectly through existing frameworks (data protection, financial supervision, general law) while the BMA and government develop sector- and use-specific expectations.

   harneys.com mondaq.com

4. 04Data-protection backbone (PIPA)

   The Personal Information Protection Act (PIPA), fully in force from 1 January 2025, is the primary binding constraint on AI systems that process personal data in Bermuda, requiring lawful basis, transparency, security and accountability. Both the Government AI Policy and BMA discussion paper anchor AI safeguards to PIPA obligations.

   gov.bm cdn.bma.bm

5. 05Judicial recognition of AI use

   In January 2026 the Supreme Court of Bermuda issued a ruling widely reported as one of the first common-law endorsements of generative AI use in e-discovery, providing early judicial guidance on responsible deployment of AI in litigation rather than any statutory rule.

   royalgazette.com

6. 06Public-sector deployment partnerships

   In May 2026 the Bermuda Government announced a partnership with US firm NEAR AI to deploy AI across public services, implemented under the Government AI Policy's phased, human-in-the-loop and PIPA-compliant framework rather than under any new AI-specific legislation.

   royalgazette.com near.ai

Timeline of decisions

1. 9 Feb 2026Guidance
   BMA publishes stakeholder feedback letter on AI in finance

   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

2. 30 Jul 2025Guidance · official
   BMA discussion paper on responsible use of AI in financial services

   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

3. 28 Mar 2025Guidance · official
   Government of Bermuda adopts whole-of-government AI Policy

   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

4. 29 Nov 2022Guidance · official
   BMA publishes 2022 AI/ML insurance sector survey report

   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

Sources

1. 1.gov.bm/articles/artificial-intelligence-ai-policy
2. 2.bernews.com/2025/03/minister-on-artificial-intelligence-policy/
3. 3.royalgazette.com/politics/news/article/20250328/ai-to-streamline-government-services/
4. 4.cdn.bma.bm/documents/2025-07-30-13-49-31-Discussion-Paper---The-Responsible-Use-
5. 5.bma.bm/documents-centre/discussion-consultation-papers
6. 6.harneys.com/our-blogs/regulatory/bermuda-monetary-authority-invites-feedback-on-a
7. 7.mondaq.com/financial-services/1670912/insights-from-the-bmas-discussion-paper-on
8. 8.harneys.com/insights/the-use-and-regulation-of-artificial-intelligence-offshore/
9. 9.royalgazette.com/international-business/business/article/20260112/ai-ruling-from-bermu
10. 10.royalgazette.com/international-business/business/article/20260514/government-partners-
11. 11.near.ai/blog/government-of-bermuda-ai-powered-public-services