How to Test ECDIS and AIS for Unfair Discrimination Under NY DFS Circular Letter No. 7
How to run and document the NY DFS Circular Letter No. 7 unfair-discrimination tests: which test, who owns it, what to keep.
Bias testing
Bias testing and disparate impact: proxy variables, outcome testing, and the analysis a regulator will ask to see.
How AI Governance Works in Insurance →Guides & analysis
Model Data Documentation for NAIC Exhibit D
A playbook for insurers preparing NAIC Exhibit D responses: document the 25 data elements, show internal and third-party sources, and close the data gap before the exam.
How Disparate Impact Shapes AI Pricing in Insurance
How proxy variables and outcome differences appear in insurance AI pricing, what testing can establish, and where state-specific procedures belong.
What Regulators Test in AI Underwriting
How AI in underwriting works across P&C, life, and health lines, what the NAIC evaluation tool expects, and how to prove your models are fair and traceable.
Colorado Replaces Its AI Act with SB 26-189
Most of Colorado's SB 26-189 waits for January 1, 2027, but one section gave the insurance Commissioner AI disclosure rulemaking power on signing. Where the duties land.
NYDFS Circular Letter No. 7 and the AI Underwriting Proxy Test
NYDFS Circular Letter No. 7 is New York's AI guidance for insurers: proxy test, three-step assessment and the 15-day notice.
UnitedHealth AI Governance and the nH Predict Case
A sourced UnitedHealth AI governance case study on the unresolved nH Predict dispute, prior authorization data, and the limits of the public record.