{
      "tool_id": "art-239-test-bifsg-bias-thresholds",
      "tool_version": "1.0.0",
      "display_name": "BIFSG Insurance Proxy Bias Threshold Test (Colorado SB 21-169)",
      "mcp_name": "test_bifsg_bias_thresholds",
      "mandate_type": "compliance_mandate",
      "wave": 40,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-239-test-bifsg-bias-thresholds.html",
      "description": "Tests BIFSG proxy bias thresholds under Colorado SB 21-169 / Reg. 10-1-1 for insurance AI models. ZERO PII: accepts aggregate regression outputs only (p-value, marginal effect %, premium delta per $1,000 face) -- no individual applicant data, proxy scores, or demographic identifiers enter this kernel. Statistical prong: p < 0.05 AND marginal effect >= 5 percentage points. Premium prong (standalone): premium >= 5% above average per $1,000 face. Annual attestation due December 1: anchor execution_hash at anchor.ainumbers.co/mcp (COMPOSE, do not rebuild). Disambiguates from compute_disparity_metrics (art-229): that node applies ECOA/HMDA 4/5ths adverse impact rule for lending; this node applies Colorado SB 21-169 p-value and premium-rate bias tests for insurance AI.",
      "input_schema_ref": "chaingraph/art-239-test-bifsg-bias-thresholds.html#manifest",
      "consumes": [],
      "feeds": [
        "art-240-assess-naic-ais-program-readiness"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:701d442f76691b38e5ab0fce5525b2d882260a259477651757e4f1cf0c4f9638","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-04"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "I+1rEq+XKa03HQa/na/iNRoqWJe8wWFsR8i+w33dG+AfFaUms3mE1wWvYIp2HC5ESdwXtYcX+wTkhomctntmNgONSCQur5muTtqjoUBvnylEVnOTDiBqoDdnD0OGZuJiGGEEmZ3DwNFOM7FzKwk43PZ09Y0/TdjBUcvINJZK/B0vG7evVYZJLpaIaH01QYpe/QCh30MbeTbN6zN5g1gPliZDOsNcWeec0+Jysdwne4KaVjjPGKQQmK7fJ0zteocmD2xK/iUx+4bFvEopY7ho+HGOo+Ch5DgIyoX16kTOi2sGRMTPNjYv36m6zUuZEWZd6hgqKuRYdf/esKy1L/eE4A==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:701d442f76691b38e5ab0fce5525b2d882260a259477651757e4f1cf0c4f9638",
          "output": {
            "anchor_instruction": "Anchor the execution_hash at anchor.ainumbers.co/mcp using anchor_hash. The RFC 3161 timestamp IS the annual attestation evidence. One anchor per year, before November 30.",
            "attestation_deadline": "December 1 each year (Colorado SB 21-169 / Reg. 10-1-1)",
            "attestation_year": 2026,
            "bias_detected": true,
            "do_now": [
              "Approval-rate bias detected (p < 0.05 AND marginal effect >= 5pp). Document remediation plan per Colorado Reg. 10-1-1 §[6].",
              "Review and update BIFSG proxy variable handling in model pipeline.",
              "Notify Colorado Division of Insurance of material bias finding per SB 21-169 §3.",
              "Anchor this test result at anchor.ainumbers.co/mcp (anchor_hash) before December 1 to constitute annual attestation evidence."
            ],
            "marginal_effect_flag": true,
            "marginal_effect_pct": 7.3,
            "marginal_effect_threshold_pp": 5,
            "model_type": "underwriting",
            "p_value": 0.02,
            "p_value_significant": true,
            "p_value_threshold": 0.05,
            "pii_note": "Inputs are AGGREGATE regression outputs only (p-value, marginal effect %, premium delta). No individual applicant data, proxy scores, demographic identifiers, or personal information enters this kernel. Zero PII by construction.",
            "premium_flag": false,
            "premium_per_1000_above_avg_pct": 0,
            "premium_threshold_pct": 5,
            "regulatory_basis": "Colorado SB 21-169 (signed 2021-07-06); Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance, Market Regulation Branch)",
            "remediation_required": true,
            "table_source": "Colorado SB 21-169 §3; Colorado Code of Regulations Title 3, Article 4, Part 10-1-1 (effective 2023-11-14)",
            "table_version": "CO-SB21169-REG10-1-1-2023",
            "test_context": "approval_rate",
            "test_result": "BIAS_DETECTED_REMEDIATION_REQUIRED"
          }
        }
      }
    }