Everyone at your office is talking about ChatGPT, your broker just forwarded another "AI for agents" webinar, and Colorado keeps making headlines for its AI law. So what should a Colorado agent actually be doing with AI right now, and where are the lines?
AI is already part of the job for a large share of agents. The ones getting real value from it are not the ones using it the most. They are the ones using it for the right tasks, checking its work, and keeping it far away from contract language, client confidential data, and wire instructions.
Here is where agents stand, what AI is genuinely good at, what Colorado law now says, and a simple green, yellow, red framework you can use tomorrow.
The short answer
Use AI as a drafting and research assistant, not as a decision maker or a lawyer. It is excellent at first drafts of listing copy, social posts, client emails, market report narratives, buyer education, and translation. It should never write contract terms, see a client's confidential financial information in a public tool, rank or screen buyers or tenants, or be trusted to verify wiring instructions.
Everything AI produces goes out under your license. Colorado advertising rules, fair housing law, and your duties to your client apply to AI-written content exactly as they apply to anything you type yourself.
How many agents are actually using AI?
More than you might think, and fewer are seeing big results than the hype suggests. NAR's 2025 Technology Survey, fielded in July 2025 with 1,241 responses from a random sample of REALTORS®, found that about two in three agents use AI tools at least a few times a month, while 32% had not used AI in their business yet.
How often agents use AI tools
Source: National Association of REALTORS®, 2025 Technology Survey.
The more telling number is impact. Half of agents reported a positive effect on their business, but nearly as many said AI made no noticeable difference.
Reported impact of AI on agents' businesses
Source: National Association of REALTORS®, 2025 Technology Survey.
The same survey found ChatGPT was the most-used AI tool at 58%, followed by Google Gemini at 20% and Microsoft Copilot at 15%, and 46% of agents reported using AI-generated content such as listing descriptions. On the brokerage side, Delta Media Group's 2026 leadership survey found 97% of brokerage leaders say their agents use AI. Adoption is no longer the question. Using it well is.
What is AI actually good at for a Colorado agent?
The pattern is simple: AI is strong at turning information you already have into words, and weak at knowing whether that information is true. Use it where you supply the facts and it supplies the drafting.
| Task | What AI does well | What you still own |
|---|---|---|
| Listing descriptions | Turns your feature notes into clean, varied copy in seconds | Every fact, square footage, and claim; no neighborhood descriptions based on who lives there |
| Market updates | Converts MLS stats into a plain-English summary for sellers or your sphere | Pulling the numbers yourself and checking every figure it restates |
| Social media and video scripts | Batches a month of posts or a 60-second reel script from one idea | Brokerage name and Colorado advertising requirements on every post |
| Client follow-up | Drafts check-ins, showing feedback summaries, and nurture emails | Tone, accuracy, and anything that touches price or negotiation strategy |
| Buyer and seller education | Explains HOAs vs. metro districts, title insurance, or appraisal gaps in simple language | Colorado-specific accuracy; have your title or lending partner sanity-check it |
| Deadline tracking | Builds a checklist or calendar from dates you give it | Confirming every date against the fully executed contract |
| Translation | Produces a first-pass Spanish (or other) version of marketing and FAQs | Review by a fluent speaker before anything goes to a client |
| Virtual staging | Furnishes vacant rooms so buyers can picture the space | Clear disclosure, keeping unaltered photos, and never changing permanent features |
If you want a Colorado Springs example of the education piece, our explainer on HOAs vs. metro districts is the kind of topic AI can help you turn into a client email or a short video, as long as you verify the local details.
Green, yellow, red: where are the lines?
| Zone | Examples | Why |
|---|---|---|
| Green: go | Brainstorming, first drafts of marketing, summarizing public market data, explaining general concepts, outlining a listing presentation | Low risk, and you review everything before it is published |
| Yellow: use with a checklist | Virtual staging, pricing narratives, client emails, translations, anything describing a specific property or area | Useful, but mistakes become misrepresentation, fair housing, or advertising problems |
| Red: don't | Writing contract terms or additional provisions, pasting client SSNs or loan documents into public tools, ranking or screening buyers or tenants, relying on AI or email to confirm wire instructions | Unauthorized practice of law, confidentiality, discrimination, and fraud exposure |
The contract point deserves emphasis in Colorado. Brokers are required to use Real Estate Commission-approved forms, and writing custom legal language beyond filling in those forms can cross into the practice of law. An AI tool will happily draft an "additional provision" that sounds official. That does not make it enforceable, appropriate, or yours to write. When a deal needs custom language, that is a job for an attorney.
What does Colorado's AI law mean for agents?
Colorado has been through a remarkable two years on AI regulation, and the rules agents keep hearing about are not the rules that will actually apply.
| Date | What happened |
|---|---|
| May 2024 | Colorado enacts SB 24-205, the first comprehensive state AI law, aimed at "high-risk" AI in consequential decisions including housing |
| August 2025 | Special session pushes the effective date from February 1 to June 30, 2026 |
| April 27, 2026 | A federal magistrate judge blocks enforcement of SB 24-205 after an xAI lawsuit, with the U.S. Department of Justice intervening |
| May 14, 2026 | Governor Polis signs SB 26-189, repealing and replacing the original law with a narrower, notice-based framework |
| January 1, 2027 | SB 26-189 takes effect; the Attorney General is directed to adopt implementing rules by the same date |
The new law regulates "automated decision-making technology" that materially influences consequential decisions in areas that include real estate, lending, and insurance. Businesses that use covered tools must give consumers notice before the decision and explain adverse outcomes afterward, with enforcement by the Colorado Attorney General.
For most agents, day-to-day AI use for marketing and writing is not what this law is aimed at. Drafting a listing description is not a consequential decision about a consumer. Where it gets closer to home is anything that decides who gets something: AI tenant screening, rental application scoring, automated lead qualification that filters people out, or lending tools your clients encounter. If you manage rentals or use software that scores applicants, talk to your vendor and your broker now, and watch for the Attorney General's rules before January.
Can AI create a fair housing problem?
Yes, and quietly. AI tools learn from the internet, and the internet is full of neighborhood descriptions that would get an agent in trouble. Ask a chatbot to describe an area and it may call it "perfect for young families," "safe," or suggest who the neighbors are. That is steering language, and it is your name on the ad.
Colorado's anti-discrimination law protects more classes than the federal Fair Housing Act, including sexual orientation, gender identity, marital status, and source of income. Tell your AI tool up front to describe the property and its features, not the people, and read every line before you publish.
How are criminals using AI against your closings?
This is the part of the AI conversation title companies care about most. The same tools that write your listing copy also write flawless phishing emails and clone voices.
The FBI's Internet Crime Complaint Center logged 12,368 real estate fraud complaints and roughly $275 million in losses in 2025, up about 59% from 2024. Business email compromise, the scheme behind most fake wire instructions, added more than $3 billion in losses across all industries. IC3 also received more than 22,000 complaints referencing AI in 2025.
Reported real estate fraud losses, FBI IC3
Source: FBI Internet Crime Complaint Center annual reports, as reported by NAR. IC3 defines real estate fraud as losses from real estate investments, rentals, or timeshares; wire fraud is largely counted under business email compromise.
What this looks like in a Colorado Springs transaction:
- A perfect-looking email from the "title company" with updated wiring instructions, no typos, correct names and dates.
- A voicemail that sounds like your client asking you to send proceeds to a different account.
- A remote "seller" of vacant land or a rental who wants to close fast, will not meet, and supplies polished but fake ID.
The fix is not more technology. It is a habit: wire instructions are confirmed by calling a phone number you already know, never one from the email. Tell every buyer and seller that at the first meeting, and call your escrow officer the moment something feels off.
Five prompts to try this week
| Use | Prompt you can copy |
|---|---|
| Listing copy | "Write a 200-word listing description from these notes. Describe only the home's features, not the neighborhood's residents. List any claims I should verify before publishing." |
| Market update | "Here are this month's El Paso County stats. Write a 150-word update a first-time seller would understand. Do not add any numbers I did not give you." |
| Social batch | "Give me 8 Instagram captions explaining one step of the Colorado closing process each. Keep each under 60 words, no emojis in the first line." |
| Objection practice | "Act as a seller who thinks their home is worth 10% more than the comps. Push back on my pricing recommendation so I can practice." |
| Client education | "Explain what an owner's title insurance policy covers in plain language for a buyer email. Keep it under 200 words and avoid legal advice." |
Notice the guardrails baked into each prompt: tell it what not to invent, what not to describe, and ask it to flag what needs checking. That one habit removes most of the risk.
Frequently asked questions
Is it legal for Colorado real estate agents to use AI?
Yes. Nothing in Colorado law prohibits agents from using AI to draft marketing, emails, or educational content. What changes is accountability: anything AI helps you produce is treated as your own advertising and communication, so license law, advertising rules, and fair housing law all still apply.Does Colorado's new AI law, SB 26-189, apply to me as an agent?
For typical marketing and writing, probably not. The law, effective January 1, 2027, targets automated decision-making technology that materially influences consequential decisions, which include real estate, lending, and insurance. If you use tools that screen tenants, score applicants, or filter consumers out, review them with your broker and vendor. The Attorney General's implementing rules are still to come, so this is not legal advice and details may change.Do I have to disclose that I used AI to write a listing description?
Colorado does not currently require a label on AI-written listing copy. What you must do is make sure every statement is accurate, because a false claim is a misrepresentation regardless of who or what wrote it. Check your brokerage policy, which may be stricter.Can I use AI virtual staging on my listings?
Generally yes, with care. Clearly disclose virtually staged photos, keep unaltered photos available, and never add, remove, or change permanent features like walls, flooring, fixtures, or views, or hide defects. Confirm the current photo rules with your MLS before uploading.Can AI write the additional provisions in my contract?
It should not. Colorado brokers use Commission-approved forms, and drafting custom legal language beyond filling them in can amount to the practice of law. If a transaction needs custom terms, involve a Colorado real estate attorney.Is it safe to paste client information into ChatGPT?
Keep confidential information out of public AI tools. That includes Social Security numbers, loan documents, financial details, and anything you learned in confidence about a client's motivation or bottom line. Use your brokerage's approved tools and strip identifying details when you can. Also check your MLS data license before pasting listing data into third-party tools.What is the best AI tool for real estate agents?
There is no single best tool. In NAR's 2025 survey, ChatGPT was the most used, followed by Gemini and Copilot. Start with whatever your brokerage supports, learn to write good prompts, and add specialized tools only when you have a specific workflow they improve.How do I protect my clients from AI-powered wire fraud?
Tell clients at the first meeting that wiring instructions will never change by email or text, and that they should confirm any instructions by calling their title company at a number they already have. Do the same yourself before relaying anything. If something seems off, pause the wire and call your escrow officer immediately.Use it to buy back time, not to skip the judgment
The agents getting the most out of AI treat it like a fast junior assistant: great first drafts, zero authority. Let it handle the writing you dread, keep your eyes on every fact, and keep it out of contracts, confidential data, and the money.
If you want help putting guardrails around AI in your business, or want your clients briefed on wire fraud before their next closing, reach out to Ben Gosz at Chicago Title of Colorado. We are glad to walk your team through what fraud attempts look like in El Paso County right now.
This article is general information, not legal advice. Colorado's AI law and its implementing rules are still developing. Consult your managing broker and a Colorado attorney about your specific situation.