Welcome to Opt Out, a semi-regular column in which we help you navigate your online privacy and show you how to say no to surveillance. The last column covered how to protect your phone and data privacy at the US border. If you'd like to skip to a section about a particular tip, click the "Jump to" menu at the top of this article. At the press of a button, your Tesla pulls itself out of parking spot with no one behind the wheel using a feature called Summon. It drives itself on highways using Autopilot. When you arrive at your destination, it can record nearby activity while parked with a feature called Sentry Mode.

As AI makes dramatic inroads in enterprises, the U.S. government has quietly started to regulate the use of AI in the consumer credit industry and other areas by banning the use of biased and unexplainable algorithms in decisions that affect consumers. In recent years, the Federal Trade Commission has tried to regulate AI in lending with laws that are already in place, chief among them the Fair Credit Reporting Act (FCRA). The federal agency has also included AI regulation under the FTC Act and the Equal Credit Opportunity Act (ECOA). While the federal laws don't contain explicit language regulating AI, the FTC, which enforces the laws, has issued guidance over the last two years stipulating that under the FCRA, lenders can't use biased or unexplainable algorithms for not only consumer credit, but also employment, housing, insurance and other benefits. The FTC has also clarified that the sale or use of racially biased algorithms, for example, is a deceptive practice banned by the FTC Act.