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)







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `test_bifsg_bias_thresholds`. Task: Test BIFSG proxy bias thresholds under Colorado SB 21-169 / Reg.
Call it with arguments: {"policy_parameters":{"p_value":0.02,"marginal_effect_pct":7.3,"test_context":"approval_rate","model_type":"underwriting","attestation_year":2026}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-239-test-bifsg-bias-thresholds.html#p=v1.H4sIAAAAAAAA_wF9AIL_eyJwX3ZhbHVlIjowLjAyLCJtYXJnaW5hbF9lZmZlY3RfcGN0Ijo3LjMsInRlc3RfY29udGV4dCI6ImFwcHJvdmFsX3JhdGUiLCJtb2RlbF90eXBlIjoidW5kZXJ3cml0aW5nIiwiYXR0ZXN0YXRpb25feWVhciI6MjAyNn0YoSnqfQAAAA