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AIS Program IR · v0.1 · draft

An open IR for AI Systems Programs.

Compile a signed, regulator-ready AIS Program from telemetry. Not a checklist. Not a chatbot. Deterministic template renderer. Bounded LLM. Verifiable artifacts.

25+
States adopted Model Bulletin
12
NAIC pilot states
2026-07-01
Colorado first report due
0
LLMs in the control plane

What it is

Three properties. One IR.

Deterministic generator

Same IR + same template hash + same regulation_version_hash produces byte-reproducible output. The control plane is the template, not the model.

Telemetry-grounded

Every field carries an evidence type — doc_hash, telemetry_ref, signed_attestation, auto_derived. Stale telemetry refuses to publish. The document tracks reality.

Signed artifacts

Every published document carries content_hash, regulation_version_hash, ir_hash, template_hash, signing_key_id, timestamp. Verification is single-step.

Regulatory Surface

What the IR compiles against.

Every regulation is compiled into a versioned rule-IR with a regulation_version_hash. When the rule set changes, the gap report regenerates.

NAIC Model Bulletin on Use of AI by Insurers

Dec 2023 25+ states + DC adopted

AIS Program — governance, risk mgmt, lifecycle, third-party, documentation

NAIC AI Systems Evaluation Tool

Mar–Sept 2026 pilot 12 states: CA CO CT FL IA LA MD PA RI VT VA WI

Exhibits A (inventory) · B (governance risk) · C (high-risk systems) · D (data details)

Colorado Amended Reg 10-1-1

Effective Oct 2025 First annual report due July 1, 2026

Life · auto · health · ECDIS · four-fifths · proxy · intersectional · counterfactual

NY DFS Circular Letter No. 7

Jul 2024 Active

Adverse-effect / business-necessity / less-discriminatory-alternative · 15-day notice

California Bulletin 2022-5

Jun 2022 Active

Proxy discrimination · actuarial nexus · adverse-decision explanation

IR Overview

Eight sections. One signed document.

governance

11 fields

Board oversight, AI committee, accountable officer, policies. RACI per system.

inventory

10 fields

Every AI system in use. Risk tier, deployment status, model card, last-validated, decisions/month.

lifecycle

18 fields

Design → development → validation → deployment → monitoring → retirement. Per system.

data

7 fields

Sources, lineage, ECDIS flag, third-party flag, retention, consent basis.

fairness_testing

12 fields

Protected classes. Four-fifths, proxy, intersectional, counterfactual. Signed bias reports.

vendor_management

8 fields

Third-party AI providers, contractual controls, SOC2/ISO27001 evidence, audit rights.

incident_log

9 fields

AI-incident definitions, reporting protocol, severity, adverse-outcome flag, remediation.

consumer_disclosures

6 fields

Per-jurisdiction notice templates, delivery channels, adverse-decision SLA, opt-out.

Generator Outputs

One IR. Six signed artifacts.

The IR feeds a deterministic template renderer. Each output carries the signing envelope. Bounded LLM polishes designated narrative slots through a diff-review gate — never the control plane.

AIS Program — PDF + HTML

Signed; content-hashed; carries regulation_version_hash

NAIC Evaluation Tool — Exhibits A/B/C/D

Canonical pack; <72hr response to state inquiry

Colorado annual compliance report

Reg 10-1-1; quantitative bias-test artifacts attached

NY DFS adverse-effects pack

Three-step assessment + less-discriminatory-alt search log

Per-state addendum packs

State-specific deltas keyed to regulation_version_hash

Gap report

Missing-telemetry diagnostic + stale-evidence list + threshold exceedances

Status

v0.1 — draft.

Spec text is CC-BY-4.0. Reference code is Apache-2.0. The IR will reach v1.0 once a pilot carrier files the Colorado Reg 10-1-1 annual report and a NAIC AI Evaluation Tool exhibit pack generated from it.

Maintained by
InsuranceOS · ComplianceOS
Substrate
Joule Cloud · ais.transaction.science
Companion specs
ops.insuranceos.science · mcp.insuranceos.science