REF: LEGISLATION // MN_DIGITAL_TRUST_ACT

THE MINNESOTA MODEL

We are approaching the Authentication Cliff: the moment when synthetic media and autonomous agents flood our legal and economic channels, rendering traditional verification impossible.

The Minnesota Digital Trust & Consumer Protection Act creates the first comprehensive liability structure for autonomous commerce.

Executive Summary

[The Proof-of-Safety Stack]

A relational framework for AI governance. Six layers of accountability infrastructure.

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Full Statute Text

[Draft v1.6]

Complete 325M.01 through 325M.06. Definitions, duties, liability, and the Digital Assurance Guaranty Association.

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Actuarial Guidance

[Guidance Note 2026-01]

MCR formula, risk weights, revocation factor, collateral tiers, Seed Tier, and liquidity buffer.

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Administrative Rules

[Chapter 2885]

Technical standards for tokenization, Halt Command, data classification, and privacy protections.

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We do not need to know if an AI can feel. We need to know it can pay.