OpenChainGraph Suite · ART-239 · AI Governance / Fair Lending

CO SB 21-169 BIFSG Bias Threshold Tester

Tests aggregate regression outputs against Colorado SB 21-169 / Reg. 10-1-1 (effective Dec 1, 2023) BIFSG proxy bias detection thresholds. Statistical prong: p<0.05 AND marginal effect ≥5 percentage points. Premium prong: model-predicted premium ≥5% above group average. Mandatory annual attestation due Dec 1 each year. ZERO PII — aggregate statistics only; never enter individual applicant data.

CO SB 21-169 / Reg. 10-1-1 BIFSG Proxy Method Statistical + Premium Prongs Aggregate Only Proofs Deferred
🔒 ZERO PII: All inputs are aggregate regression statistics only — no individual applicant records. Do not enter real personal data. All computation is local in your browser; no data is transmitted.
Model Context
Statistical Prong (logistic / linear regression on BIFSG-proxied race/ethnicity)
Source: CO Reg. 10-1-1 §6(B)(1). Prong fires if BOTH p < 0.05 AND |marginal effect| ≥ 5pp (percentage points).
Two-sided Wald test; enter as decimal (e.g., 0.03)
Absolute value. Approval rate or premium change attributed to protected class. Enter as pp (e.g., 7.2 for 7.2pp)
Premium Prong (pricing models only)
Source: CO Reg. 10-1-1 §6(B)(2). Prong fires if model-predicted premium for a protected class segment ≥ 5% above the group-weighted average premium.
Mean predicted premium for the protected-class segment
Population-weighted average premium across all segments
Attestation Status
Must be ≥ 30 to be statistically meaningful
Prong Results
Detail
Execution Hash (SHA-256)