ChatGPT and the Law: Exploring the Liability and Accountability Frameworks for AI-Assisted Decision-Making

Abstract

The rapid integration of generative AI models like ChatGPT into decision-making processes across sectors such as healthcare, finance, and legal services has amplified concerns over liability and accountability. This research article delves into the evolving legal landscapes governing AI-assisted decisions, examining how traditional tort, contract, and regulatory laws apply to errors, biases, or harms stemming from AI outputs. By analyzing landmark cases, including those involving algorithmic discrimination and misinformation propagation, the study highlights gaps in current frameworks, such as the attribution of fault between AI developers, users, and deployers. It proposes a hybrid accountability model that incorporates strict liability for high-risk applications, mandatory transparency requirements, and ethical auditing mechanisms to mitigate risks. Drawing on interdisciplinary insights from law, ethics, and computer science, the article argues for proactive international standards to ensure responsible AI deployment. Ultimately, it underscores the need for adaptive legal reforms to balance innovation with public protection in an AI-driven era.

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