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Bill

SB 195

Consumer Protection - As introduced, prohibits certain entities from sharing, selling, or otherwise distributing a vehicle's driving data without the explicit, written consent of the owner of the vehicle, regardless of how or where the driving data is collected or stored. - Amends TCA Title 4; Title 5; Title 6; Title 47 and Title 55.

114th Regular Session (2025-2026) Introduced by Page Walley

Bill would require vehicle owners' explicit written consent before any entity shares, sells, or distributes their driving data, but was withdrawn before final passage.

Recalled from Senate Commerce and Labor Committee
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Bill Summary · SB 195

Legislative bill overview

SB 195 would have prohibited companies from sharing, selling, or distributing vehicle driving data without explicit written consent from vehicle owners. The bill applied broadly across all entities and data collection methods, amending multiple sections of Tennessee law related to commerce, business practices, and vehicle regulations.

Why is this important

Vehicle data collection has become increasingly common through modern connected cars, telematics systems, and insurance programs. Without consent protections, this driving information—which reveals location patterns, habits, and personal behaviors—could be sold to third parties for marketing, insurance pricing, or other purposes without owner knowledge or control.

Potential points of contention

  • Scope and definitions: The bill's broad language covering "certain entities" and "regardless of how or where" data is collected could create ambiguity about which companies are covered (manufacturers, insurers, app developers, repair shops) and what counts as "driving data"
  • Insurance and safety programs: Existing consent-based insurance discount programs that incentivize safe driving through data sharing may be disrupted, potentially affecting consumer choice and rates
  • Implementation burden: Requiring explicit written consent for all data sharing could create administrative complexity and costs that might be passed to consumers or affect service availability

Compiled from official sources — confirm details with the bill’s official record.

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