{
      "name": "insurance-ai-bias-attestation",
      "domain": "AI & Agent Governance",
      "title": "Insurance AI Bias Attestation",
      "spec_version": "0.8.0",
      "wave": 40,
      "description": "Gated two-step chain for Colorado SB 21-169 / Reg. 10-1-1 annual bias attestation for insurance AI models. Step 1 tests BIFSG proxy bias thresholds (art-239) from aggregate regression outputs (ZERO PII). Gate: bias_detected=true proceeds to NAIC AIS readiness assessment (art-240) for remediation planning. When bias is not detected, chain terminates (annual attestation evidence is the execution_hash anchored at anchor.ainumbers.co/mcp). Step 2 (art-240) scores insurance AI program readiness across 6 NAIC AIS dimensions and produces exam-ready gap list.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/insurance-ai-bias-attestation.html",
      "regulatory_refs": [
        "Colorado SB 21-169 (signed 2021-07-06)",
        "Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance)",
        "NAIC AI Model Bulletin (adopted Aug 2020, updated 2023)",
        "NAIC AI Systems (AIS) Evaluation Tool (2024 edition)"
      ],
      "steps": [
        {
          "tool_id": "art-239-test-bifsg-bias-thresholds",
          "handoff": "BIFSG proxy bias test result. Gate: bias_detected=true proceeds to NAIC AIS readiness assessment; PASS exits with execution_hash for annual attestation anchor.",
          "gate": {
            "input": "/bias_detected",
            "rules": [
              {
                "op": "eq",
                "value": true,
                "next": "art-240-assess-naic-ais-program-readiness"
              }
            ],
            "default": "end"
          }
        },
        {
          "tool_id": "art-240-assess-naic-ais-program-readiness",
          "handoff": "NAIC AIS readiness tier, dimension scores, and exam-ready gap list. Only reached when bias is detected. Final stage."
        }
      ]
    }