Colorado SB21-169 — Insurers' Use of External Consumer Data & AI · vColorado SB21-169 (Restrict…

Colorado SB21-169 — Insurers' Use of External Consumer Data & AI

Colorado SB21-169 — Insurers' Use of External Consumer Data & AI — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

Source: Colorado SB21-169 (codified at C.R.S. §10-3-1104.9) and the implementing Division of Insurance regulations prohibit insurers from using external consumer data and information sources, algorithms, or predictive models in a way that unfairly discriminates against consumers based on protected characteristics, and require insurers to test for, document, and remediate such discrimination, and to provide consumers with the reasons for adverse decisions. KYE Protocol™ governs whether an AI-assisted underwriting or claims decision relying on external data may PROCEED to a consequential adverse action — under a named authority, with a recorded adverse-action reason-code, with proxy-discrimination / fairness-evidence captured, and an appeal / contestability record. KYE does not price risk, choose the external data sources, or design the discrimination-testing methodology. · License: Colorado SB21-169 and the C.R.S. are public statutory works; KYE registry paraphrases each requirement's intent and cites the statutory section for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Adverse-action reason explainability to the consumer 1 1 0 0 0 100%
External-data proxy-discrimination evidence 1 1 0 0 0 100%
Named-authority on the external-data-driven decision 1 1 0 0 0 100%
External data source selection & pricing on the merits 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
colorado-sb21-169.adverse-action-explainability A consequential adverse action proceeds only with a recorded adverse-action reason-code + evidence enforced audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md, constitution/13-RESILIENCE-LOOP.md
colorado-sb21-169.external-data-discrimination-evidence Proxy-discrimination / fairness-evidence is captured before an external-data-driven decision proceeds enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
colorado-sb21-169.external-data-decision-authority An external-data-driven AI decision proceeds only under a recorded named-authority decision and appeal record enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/12-PURPOSE-PERMISSION.md, constitution/21-DELEGATED-AUDITABILITY.md
colorado-sb21-169.external-data-source-selection-pricing External data source selection and risk pricing on the merits out-of-scope (no enforcement cited)