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Fulkerson Advisors

Research

What clients now tell their law firms about AI.

We read all 65 outside-counsel guidelines we could find on the open web, from companies, insurers, banks, public bodies, and universities. 7 mention AI. All 7 tell the firm to say when it used it.

  1. 65

    outside-counsel guidelines on the open web. We read every one.

  2. 7

    mention AI at all.

  3. 7

    require the firm to disclose when it used AI.

  4. 5

    keep the client's information out of public AI tools.

  5. 5

    require a lawyer to check the output.

  6. 5

    change how AI work is billed.

The date on the document tells you whether AI is in it.

Dated before 2024

0 of 33

Dated 2024 or later

5 of 14

None of the 33 guidelines dated before 2024 mentions AI. 5 of the 14 dated 2024 or later do. The rest carry no date.

The 7 guidelines that mention AI, clause by clause.

GuidelineDisclose AI use7Keep client data out of public tools5A lawyer checks the output5Ask before using it2Approved tools only1The firm has an AI policy1Banned outright0Bills AI work differently5
Federal Deposit Insurance Corporation (FDIC)public bodies, 2026
UBS Group AGbanks, 2026
Arch Insurance Group Inc. (Arch Capital Group Ltd.)insurers, 2025
Office of the Attorney General of Texaspublic bodies, 2025
Zscaler, Inc.companies, 2025
The Hartford Financial Services Group, Inc.insurers
University of Missouri System, Office of General Counseluniversities

So what

The rules are short, and they all start in the same place.

For a company

If your guidelines say nothing about AI, you're with the majority, and your firms are deciding for you.

The 7 that do speak begin the same way: tell us when you used it. Then keep our information out of public tools, and have a lawyer check the work. 2 won't pay for time spent using or learning the tools. That's the whole clause set, and it fits on a page.

For a law firm

Read the 7. They're the template your other clients will copy.

None of them bans AI. The ask is to say so, to keep client data inside, and to bill for the lawyer's judgment rather than the tool's time.

In their own words.

Disclose AI use

If a timekeeper uses generative AI for a discrete task, they should note that in their time entry.
Zscaler, Inc.

Keep client data out of public tools

Never enter Sensitive Information or FDIC work product into a GenAI tool that operates in an "open environment."
Federal Deposit Insurance Corporation (FDIC)

A lawyer checks the output

The accuracy of all AI use and output must be independently verified via human review.
Office of the Attorney General of Texas

Billing

Any time and cost associated with AI-generated work product shall not be passed on to Zscaler.
Zscaler, Inc.

Writing the AI clause for your own guidelines?

The 7 above are the whole public record. We help companies write rules their firms can actually follow, and build the systems behind them.

The data.

Every guideline we could find on the open web, one organization per row, with the clauses and the document's own words in the CSV.

Download the data (CSV)
How we did it

Outside-counsel guidelines are the rules a client gives the law firms it hires: how to bill, who may work on a matter, what to do with confidential information. Most organizations hand them to their firms through a portal and never publish them. We collected every one we could find on the open web on September 15, 2026, through search engines, sweeps of company, insurer, and public-body websites, and court dockets where guidelines had been filed as exhibits. That gave us 65 guidelines from 65 organizations: 27 from public bodies, 13 from companies, 11 from insurers, 11 from universities, 2 from banks, 1 from health systems. It's everything that is public, not a sample of everything that exists, and it leans toward public bodies and insurers, which publish, over companies, which mostly don't.

We read each document in full and coded it against a fixed rubric: does it mention AI, and if so, does it require the firm to disclose AI use, to get consent first, to keep the client's information out of public tools, to have a lawyer check the output, to use approved tools only, to hold an AI policy of its own, or to bill differently. A clause counted only when the document says it, and every yes carries the document's own words, which are in the CSV. A ban that lifts on consent counts as consent, not a ban. One organization, one record: where an organization publishes several guideline pages, we read them together. 1 document could not be read: Bayer AG (the site blocked automated requests).

Dates come from the documents themselves. 47 of the 65 carry one. The rest are left out of the before-and-after count.

The data is the table below and the CSV, released under CC BY 4.0 with attribution to Fulkerson Advisors. If your organization publishes guidelines we missed, email info@fulkersonadvisors.com and we'll add them.

All 65 organizations
public bodies
27
companies
13
insurers
11
universities
11
banks
2
health systems
1
OrganizationKindCountryDatedAI clauses
U.S. Bancorp (U.S. Bank)banksUS2019-01none
UBS Group AGbanksCH2026-02-13disclose, consent, no pay for ai time
Australian Government Attorney-General's Department, Office of Legal Services Coordinationpublic bodiesAU2019-08-15none
CARMA (California Affiliated Risk Management Authorities)public bodiesUS2023-01-13none
City of Chicago, Department of Lawpublic bodiesUS2026-03-24none
City of Houston, Office of the City Attorneypublic bodiesUSnone
City of Trenton, New Jersey, Department of Lawpublic bodiesUS2017-07-01none
County of Berks, Pennsylvania (Solicitor's Office)public bodiesUS2016-05-02none
County of Erie, New York, Department of Lawpublic bodiesUS2016-01-01none
County of Los Angeles, Office of the County Counselpublic bodiesUS2019-03-29none
Crown Law Office, New Zealandpublic bodiesNZ2021-05none
Cumberland County Insurance Commission, New Jerseypublic bodiesUS2026-02-05none
Delaware Department of Justicepublic bodiesUS2025-01-21none
Export-Import Bank of the United States (EXIM)public bodiesUS2006none
Fairbanks North Star Borough, Alaska (Borough Attorney)public bodiesUSnone
Federal Deposit Insurance Corporation (FDIC)public bodiesUS2026disclose, data, review
Forest Preserve District of Cook Countypublic bodiesUS2023none
Georgia Department of Law (Office of the Attorney General)public bodiesUS2013-07-01none
King County Prosecuting Attorney's Office, Washingtonpublic bodiesUS2013-03-01none
Louisiana Division of Administration, Office of Risk Managementpublic bodiesUS2019-07-01none
New Jersey Higher Education Student Assistance Authority (HESAA)public bodiesUS2020-08-01none
New Jersey Office of the Attorney General, Division of Lawpublic bodiesUS2022-11-01none
North Dakota Office of Attorney Generalpublic bodiesUSnone
Office of the Attorney General of Texaspublic bodiesUS2025-07-31disclose, data, review
Office of the Attorney General of Virginiapublic bodiesUS2022-12none
Ohio Attorney Generalpublic bodiesUS2012-11none
Puerto Rico Fiscal Agency and Financial Advisory Authority (FAFAA / AAFAF)public bodiesPR2018-12-21none
UK Attorney General's Office / Government Legal Departmentpublic bodiesUK2025-02-21none
UK Government Legal Service / Government Legal Departmentpublic bodiesUKnone
Memorial Sloan Kettering Cancer Centerhealth systemsUS2017-01-03none
AIG (American International Group) Property Casualty ClaimsinsurersUS2013-04-01none
AmTrust Financial Services, Inc.insurersUS2016-12none
Arch Insurance Group Inc. (Arch Capital Group Ltd.)insurersUS2025disclose, data, review, consent, approved tools, other billing rule
Beazley (Beazley USA Services, Inc.)insurersUSnone
Chubb & Son, a division of Federal Insurance CompanyinsurersUS2009-01-01none
Liberty Specialty Markets (Liberty Mutual Insurance Company)insurersSG2026-08none
PRISM (Public Risk Innovation, Solutions, and Management)insurersUS2025-07-01none
Starr Indemnity & Liability Company (Starr Companies)insurersUS2020-07-01none
The Hartford Financial Services Group, Inc.insurersUSdisclose, data, review, firm policy, no pay for ai tools
Verus Underwriting ManagersinsurersUSnone
Zurich Australia (Zurich Insurance Group)insurersAUnone
Plus Petroleum LimitedcompaniesUS2020-06-01none
Revature LLCcompaniesUSnone
Varsity Brands, LLCcompaniesUS2020none
Yahoo Inc.companiesUSnone
Implenia AGcompaniesCH2023-01-01none
Johnson & JohnsoncompaniesUS2020-11none
LyondellBasell Industries N.V.companiesNL2026-08none
MongoDB, Inc.companiesUSnone
Point Blank Solutions, Inc.companiesUS2008-10-01none
Rio TintocompaniesUK2019-11-01none
TC Energy CorporationcompaniesCAnone
Valeant Pharmaceuticals International, Inc. (now Bausch Health)companiesCA2016-10none
Zscaler, Inc.companiesUS2025-04-07disclose, data, review, no pay for ai time
Emory UniversityuniversitiesUS2025-05-22none
Georgia Institute of Technology, Office of General CounseluniversitiesUS2023-01-09none
New Mexico State University, Office of University General CounseluniversitiesUSnone
Oregon State University, Office of the General CounseluniversitiesUSnone
Southern Illinois University System, Office of General CounseluniversitiesUS2019-01none
The Pennsylvania State University, Office of General CounseluniversitiesUS2025-09-04none
The University of Texas at San Antonio, Office of Legal AffairsuniversitiesUSnone
University of California, Office of the General CounseluniversitiesUSnone
University of Missouri System, Office of General CounseluniversitiesUSdisclose, savings passed on
University of Rhode Island, Office of General CounseluniversitiesUS2022-07-01none
University of Toronto, Office of University CounseluniversitiesCAnone
Cite this study

Fulkerson Advisors (2026). What Clients Now Tell Their Law Firms About AI: 65 Outside-Counsel Guidelines Read. Read September 15, 2026. https://www.fulkersonadvisors.com/research/ai-in-outside-counsel-guidelines

Use any of these numbers or quotes. Credit Fulkerson Advisors and link to this page. The data is under a CC BY 4.0 license.

Questions

Do companies require their law firms to disclose AI use?

The ones with written rules do. Of the 65 outside-counsel guidelines on the open web, 7 mention AI, and 7 of those require the firm to disclose it, usually in the time entry or on the invoice.

Do clients refuse to pay for AI work?

Some do. Of the 7 guidelines that mention AI, 2 won't pay for time spent using or learning AI tools, 1 won't pay for AI subscriptions, and 1 expects the savings passed on as fewer hours.

Which organizations have AI rules for outside counsel?

As of September 15, 2026, on the open web: Federal Deposit Insurance Corporation (FDIC) (2026), UBS Group AG (2026), Arch Insurance Group Inc. (Arch Capital Group Ltd.) (2025), Office of the Attorney General of Texas (2025), Zscaler, Inc. (2025), The Hartford Financial Services Group, Inc. (undated), and University of Missouri System, Office of General Counsel (undated).

Do any clients ban AI outright?

None of the 7 does. 2 require the firm to ask first.