{
  "tool_id": "art-254-compute-rbc-action-level",
  "kernel_id": "art-254-compute-rbc-action-level",
  "display_name": "NAIC RBC Action Level Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Computes NAIC Risk-Based Capital (RBC) action level classification for US P&C, life, and health insurers. RBC ratio = TAC / ACL * 100%. Action levels: NO_ACTION (>=200%), COMPANY_ACTION (150-200%), REGULATORY_ACTION (100-150%), AUTHORIZED_CONTROL (70-100%), MANDATORY_CONTROL (<70%). Also runs the NAIC trend test (10+ ppt decline two consecutive years with ratio <250%) when prior-year data supplied. Applies NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Use in insurer-rbc-action-level chain (gated on NO_ACTION). ZERO PII: capital totals only.",
  "control_description": "Computes NAIC Risk-Based Capital (RBC) action level classification for US P&C, life, and health insurers. RBC ratio = TAC / ACL * 100%. Action levels: NO_ACTION (>=200%), COMPANY_ACTION (150-200%), REGULATORY_ACTION (100-150%), AUTHORIZED_CONTROL (70-100%), MANDATORY_CONTROL (<70%). Also runs the NAIC trend test (10+ ppt decline two consecutive years with ratio <250%) when prior-year data supplied. Applies NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Use in insurer-rbc-action-level chain (gated on NO_ACTION). ZERO PII: capital totals only.",
  "declared_inputs": [
    "art-253-run-illustration-selfsupport-test"
  ],
  "declared_outputs": [
    "art-257-calculate-claims-stp-economics"
  ],
  "kernel_digest": "sha256:a55fcead8d91066d4678479d0792b6faacc67a98b724625025533952be8d0ec3",
  "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": 43,
  "source_url": "https://ainumbers.co/chaingraph/art-254-compute-rbc-action-level.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}