state-insurance-ai-disclosure-tracker

State Insurance AI Disclosure Tracker v0.1 draft. A per-state lifecycle ledger of US state DOI AI bulletins, circular letters, regulations, and statutes — from proposed to adopted-bulletin / enacted-awaiting-effective to effective to amended / superseded / sunset / withdrawn. The Operator surface an insurer, reinsurer, MGA, or AI vendor queries to know which state regulatory set governs an underwriting / claim / rating decision on a given date.

Part of the Kinetic Gain Protocol Suite.

Status: v0.1 draft. Schema at schema/disclosure-event.schema.json, per-state streams at states/, Node verifier at src/verify.mjs.

Why this exists

The NAIC AI Model Bulletin (Nov 2023) is a model — state DOIs adopt it (or don't) on their own timelines. Each state can also issue independent guidance (NY DFS Circular Letter No. 7, CA DOI Bulletin 2022-5), pass independent statutes (CO SB 21-169), or pre-rule guidance pending formal regulation. As of 2026, 20+ state DOIs have adopted the NAIC bulletin in some form, but the scope, covered lines of business, and obligations differ. An insurer underwriting a homeowner's policy in CT vs CO vs CA vs NY needs different evidence packages on different dates. The lifecycle ledger answers "what is in force for this state on this date" deterministically.

The shape

Field	Purpose
event_id, state, timestamp	Append-only state-stamped identity
lifecycle_state	One of 9 states (proposed → in-comment-period → adopted-bulletin / enacted-awaiting-effective → effective → amended → superseded → sunset → withdrawn)
regulatory_vehicle	One of 6 vehicles (NAIC adoption, state DOI independent bulletin, state DOI circular letter, state DOI regulation, state legislative statute, state DOI pre-rule guidance)
citation	Short label + long title + jurisdictional URI + session year
effective_date / sunset_date	REQUIRED when lifecycle_state is effective / sunset
scope	Covered decisions (underwriting / claims-triage / claims-adjudication / rating-pricing / policy-renewal / fraud-detection / marketing-targeting / agent-recommendation) + covered lines of business + covered actors + premium threshold
obligation_kinds	14-doctrine obligation taxonomy
regulator	Primary agency code + name + URI + concurrent jurisdiction
supersedes_event_id	REQUIRED when lifecycle_state is superseded / amended

Lifecycle state machine

proposed                  -> in-comment-period, adopted-bulletin, enacted-awaiting-effective, withdrawn
in-comment-period         -> adopted-bulletin, enacted-awaiting-effective, withdrawn
adopted-bulletin          -> effective, amended, superseded, sunset, withdrawn
enacted-awaiting-effective -> effective, amended, withdrawn
effective                 -> amended, superseded, sunset
amended                   -> effective, amended, superseded, sunset
superseded                -> amended, effective
sunset / withdrawn        -> (terminal)

Seed coverage (v0.1)

State	Last lifecycle_state	Key citation
US-CT	effective (2024-02-26)	CT Notice 2024-1 — first state NAIC AI Model Bulletin adoption
US-NY	effective (2024-07-11)	NY DFS Circular Letter No. 7 (2024) — strictest US insurance AI guidance
US-CO	effective (2023-11-14)	CO 3 CCR 702-10 Reg 10-1-1 (Life) — CO SB 21-169 implementation
US-CA	effective (2022-06-30)	CA DOI Bulletin 2022-5 — anti-bias pre-rule guidance
US-WA	effective (2024-05-01)	WA OIC Technical Assistance Advisory 2024-04 — NAIC bulletin adoption

Additional states (IL, NH, NV, OK, RI, VT + more) added per PR. Maintain alphabetical filenames (US-XX.ndjson), one event per line, timestamps ascending.

Quick start

npm install
npm run verify   # validates every state stream against schema + state machine

Exit 0 on success, 1 on schema failure, 2 on illegal transition, 3 on broken supersedes reference, 4 on IO error.

Composes with

Repo	Role
insurance-decision-record-audit-stream	Per-decision audit events that must conform to the obligation_kinds effective at the time
state-real-estate-ai-disclosure-tracker	Sibling PropTech state tracker
state-ai-disclosure-state-tracker	Sibling EdTech state tracker
fda-samd-classification-board	Sibling HealthTech regulatory-lifecycle Operator

Compliance posture

InsurTech-readiness scaffolding for state DOI AI regulatory tracking. Does not establish compliance with any state regulation — local insurance counsel + state DOI engagement remain authoritative. Per the standing public-language guardrail: readiness · evidence · posture · controls · scaffolding — never "state-DOI-compliant" without an external attestation specific to the jurisdiction.

License

MIT — see LICENSE.