NYDFS Insurance Circular Letter on AI

NYDFS Insurance Circular Letter on AI — 100% of in-scope requirements covered.

4 requirements · 3 in scope (3 enforced) · 1 out-of-scope (outside KYE™’s authority layer). The 100% is weighted over the in-scope base.

NYDFS Insurance Circular Letter on AI: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. senior-management-accountability · enforced

    An AI-assisted underwriting / pricing decision proceeds only under a recorded named-authority decision

    Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 12 purpose permission

  2. unfair-discrimination-testing · enforced

    Proxy-discrimination / fairness-evidence is captured before the decision proceeds

    Audit events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 13 resilience loop, 21 delegated…

  3. consumer-transparency-appeal · enforced

    The decision carries an adverse-action reason and a consumer appeal / contestability record

    Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 13 resilience loop, 21 delegated auditability

  4. ecdis-selection-pricing-methodology · out-of-scope

    ECDIS selection, risk pricing, and discrimination-testing methodology on the merits

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

Source: The New York State Department of Financial Services Insurance Circular Letter No. 7 (2024) sets expectations for insurers using AI systems and external consumer data and information sources (ECDIS) in underwriting and pricing, including governance with senior-management accountability, testing for unfair or unlawful discrimination, transparency and disclosure to consumers, and documentation. KYE Protocol™ governs whether an AI-assisted underwriting or claims decision in scope may PROCEED to a consequential adverse action — under a named accountable authority, with a recorded adverse-action reason-code, with proxy-discrimination / fairness-evidence captured, with a signed Evidence Pack™, and a consumer appeal / contestability record. KYE™ does not price risk, select the ECDIS, or design the discrimination-testing methodology. · License: NYDFS circular letters are public regulatory guidance; KYE™ registry paraphrases each requirement's intent and cites the circular for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Senior-management accountability for the AI decision11000100%
Unfair-discrimination testing evidence11000100%
Consumer transparency & appeal record11000100%
ECDIS selection, pricing & methodology design on the merits100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
nydfs-insurance-circular-ai.senior-management-accountabilityAn AI-assisted underwriting / pricing decision proceeds only under a recorded named-authority decisionenforcedaudit_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
nydfs-insurance-circular-ai.unfair-discrimination-testingProxy-discrimination / fairness-evidence is captured before the decision proceedsenforcedaudit_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
nydfs-insurance-circular-ai.consumer-transparency-appealThe decision carries an adverse-action reason and a consumer appeal / contestability recordenforcedaudit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
nydfs-insurance-circular-ai.ecdis-selection-pricing-methodologyECDIS selection, risk pricing, and discrimination-testing methodology on the meritsout-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: Evidence Pack™ · KYE Protocol™.