Utah SB 149/226 requires proactive AI disclosure for financial chatbots, regardless of company size or location

When building a consumer app with an AI chatbot that provides financial guidance (planning, advice, recommendations), Utah Code § 13-72 (SB 149, amended by SB 226 effective May 2025) requires proactive disclosure that the user is interacting with AI. Unlike most AI disclosure laws which only require disclosure when asked, Utah mandates upfront disclosure for 'high-risk interactions involving financial data.' This applies to any company whose AI chatbot is accessible by Utah residents, regardless of company size or headquarters location. California's AI laws (AB 2013, SB 942) target GenAI system developers/providers and have high thresholds (1M+ users), so they likely don't apply to apps consuming AI APIs. Utah's law has no size threshold. Compliance: label the AI chatbot as 'AI assistant' or 'AI-powered' at the point of interaction, and disclose AI nature in Terms of Service. Wikipedia overview: https://en.wikipedia.org/wiki/Utah_Artificial_Intelligence_Policy_Act