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Home/Regulations/AI Fairness / Algorithmic Bias Rules (State DOI) — Regulatory Reference
Regulatory Reference
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AI Fairness / Algorithmic Bias Rules (State DOI) — Regulatory Reference

CO/CA DOI guidance on AI in underwriting — model risk management, adverse action notice, and agent audit trail directly required.

Key Provisions
  • Colorado Reg 10-1-1 — governance framework for AI in life insurance
  • California Department of Insurance Bulletin 2022-5 — bias and discrimination in AI underwriting
  • Quantitative testing for disparate impact in protected classes
  • Documentation of model risk management framework
How AutoPIL Enforces It
  • Agent registry + policy YAML constitutes the documented governance framework
  • Audit chain provides per-decision evidence for disparate impact testing
  • Adverse action notice generation supported by access history
Audit LogPolicy EngineAgent RegistryAlert RulesLineage
AutoPIL Policy IDs
INS-AIFAIR-CO-001Colorado Algorithm Governance Framework
INS-AIFAIR-CA-001California Underwriting AI Audit
Official Sources
https://doi.colorado.gov/insurance-products/life-insurance/algorithm-and-predictive-model-governance-regulationhttps://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/upload/Bulletin-2022-5.pdf

This page is a working reference and not a substitute for qualified legal review. Verify against official sources before use in compliance artifacts.

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