Real estate

Real estate agencies, property managers and rental platforms use AI to value properties, screen tenants, set prices and answer prospects. Access to housing is highly sensitive to discrimination, so in the US AI tenant screening falls under fair housing and credit reporting laws, and Colorado and California treat it as a consequential decision.

Relevant sector rules

US: the Fair Housing Act and FCRA apply to AI tenant screening (adverse action notices must identify the screening company); HUD holds landlords responsible for their vendors, although in 2026 it proposed changing its disparate impact rule; Colorado SB 26-189 and California's ADMT rules include housing as a consequential or significant decision from Jan 1, 2027. EU and Spain: housing is not an Annex III category; GDPR Art. 22 and Equal Treatment Law 15/2022 apply, and mortgage lending follows creditworthiness rules. Peru: commerce has until Sep 10, 2027 under the AI regulation. Ecuador, Colombia, Mexico, Chile, Argentina and Brazil: consumer and data protection laws, with rights regarding automated decisions where they exist.

Typical AI uses

Sector regulators

Spain: Ministry of Housing and Urban Agenda
Ministry of Social Rights, Consumer Affairs and 2030 Agenda (consumer affairs)
Colombia: Superintendency of Industry and Commerce (SIC)
Peru: National Institute for the Defense of Competition and Intellectual Property (INDECOPI)
Mexico: Federal Consumer Protection Agency (PROFECO)
Chile: National Consumer Service (SERNAC)
Brazil: National Consumer Secretariat (Senacon)
United States (federal): Department of Housing and Urban Development (HUD)
Consumer Financial Protection Bureau (CFPB)
California: California Civil Rights Department (CRD)
Colorado: Colorado Attorney General