{
  "tool_id": "art-239-test-bifsg-bias-thresholds",
  "kernel_id": "art-239-test-bifsg-bias-thresholds",
  "display_name": "BIFSG Insurance Proxy Bias Threshold Test (Colorado SB 21-169)",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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.",
  "control_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.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-240-assess-naic-ais-program-readiness"
  ],
  "kernel_digest": "sha256:701d442f76691b38e5ab0fce5525b2d882260a259477651757e4f1cf0c4f9638",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 40,
  "source_url": "https://ainumbers.co/chaingraph/art-239-test-bifsg-bias-thresholds.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}