{
  "tool_id": "art-239-test-bifsg-bias-thresholds",
  "note": "Colorado SB 21-169 / Reg. 10-1-1 BIFSG insurance proxy bias test. Known constants: p < 0.05 (statistical significance threshold); >= 5 percentage points marginal effect (practical significance); >= 5% above average premium per $1,000 face (premium prong). Annual attestation due December 1. ZERO PII: inputs are aggregate regression outputs only.",
  "vectors": [
    {
      "name": "approval_rate_bias_both_prongs_triggered",
      "description": "Approval-rate bias: p=0.02 < 0.05 AND marginal_effect=7.3pp >= 5pp. Both prongs trigger. Known constants: p_value_threshold=0.05, marginal_effect_threshold_pp=5. Result: BIAS_DETECTED_REMEDIATION_REQUIRED.",
      "policy_parameters": {
        "p_value": 0.02,
        "marginal_effect_pct": 7.3,
        "test_context": "approval_rate",
        "model_type": "underwriting",
        "attestation_year": 2026
      },
      "output_payload": {
        "test_result": "BIAS_DETECTED_REMEDIATION_REQUIRED",
        "bias_detected": true,
        "p_value": 0.02,
        "p_value_threshold": 0.05,
        "p_value_significant": true,
        "marginal_effect_pct": 7.3,
        "marginal_effect_threshold_pp": 5,
        "marginal_effect_flag": true,
        "premium_per_1000_above_avg_pct": 0,
        "premium_threshold_pct": 5,
        "premium_flag": false,
        "remediation_required": true,
        "test_context": "approval_rate",
        "model_type": "underwriting",
        "attestation_year": 2026,
        "attestation_deadline": "December 1 each year (Colorado SB 21-169 / Reg. 10-1-1)",
        "do_now": [
          "Approval-rate bias detected (p < 0.05 AND marginal effect >= 5pp). Document remediation plan per Colorado Reg. 10-1-1 §[6].",
          "Review and update BIFSG proxy variable handling in model pipeline.",
          "Notify Colorado Division of Insurance of material bias finding per SB 21-169 §3.",
          "Anchor this test result at anchor.ainumbers.co/mcp (anchor_hash) before December 1 to constitute annual attestation evidence."
        ],
        "anchor_instruction": "Anchor the execution_hash at anchor.ainumbers.co/mcp using anchor_hash. The RFC 3161 timestamp IS the annual attestation evidence. One anchor per year, before November 30.",
        "pii_note": "Inputs are AGGREGATE regression outputs only (p-value, marginal effect %, premium delta). No individual applicant data, proxy scores, demographic identifiers, or personal information enters this kernel. Zero PII by construction.",
        "regulatory_basis": "Colorado SB 21-169 (signed 2021-07-06); Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance, Market Regulation Branch)",
        "table_version": "CO-SB21169-REG10-1-1-2023",
        "table_source": "Colorado SB 21-169 §3; Colorado Code of Regulations Title 3, Article 4, Part 10-1-1 (effective 2023-11-14)"
      },
      "golden_hash": "fcbd4deb75a6f4615a33328e3c9a2d71a5a889d3c6b067e800063a0a40764d62"
    },
    {
      "name": "premium_prong_standalone_trigger",
      "description": "Premium prong only: p=0.08 >= 0.05 (not significant) but premium 6.5% above average >= 5% threshold. Premium prong is standalone — bias detected. Known constant: premium_threshold_pct=5.",
      "policy_parameters": {
        "p_value": 0.08,
        "marginal_effect_pct": 3.1,
        "premium_per_1000_above_avg_pct": 6.5,
        "test_context": "insurance_premium",
        "model_type": "pricing",
        "attestation_year": 2026
      },
      "output_payload": {
        "test_result": "BIAS_DETECTED_REMEDIATION_REQUIRED",
        "bias_detected": true,
        "p_value": 0.08,
        "p_value_threshold": 0.05,
        "p_value_significant": false,
        "marginal_effect_pct": 3.1,
        "marginal_effect_threshold_pp": 5,
        "marginal_effect_flag": false,
        "premium_per_1000_above_avg_pct": 6.5,
        "premium_threshold_pct": 5,
        "premium_flag": true,
        "remediation_required": true,
        "test_context": "insurance_premium",
        "model_type": "pricing",
        "attestation_year": 2026,
        "attestation_deadline": "December 1 each year (Colorado SB 21-169 / Reg. 10-1-1)",
        "do_now": [
          "Premium-rate bias detected (>= 5% above average per $1,000 face). Review pricing model for protected-characteristic proxy effects.",
          "Notify Colorado Division of Insurance of material bias finding per SB 21-169 §3.",
          "Anchor this test result at anchor.ainumbers.co/mcp (anchor_hash) before December 1 to constitute annual attestation evidence."
        ],
        "anchor_instruction": "Anchor the execution_hash at anchor.ainumbers.co/mcp using anchor_hash. The RFC 3161 timestamp IS the annual attestation evidence. One anchor per year, before November 30.",
        "pii_note": "Inputs are AGGREGATE regression outputs only (p-value, marginal effect %, premium delta). No individual applicant data, proxy scores, demographic identifiers, or personal information enters this kernel. Zero PII by construction.",
        "regulatory_basis": "Colorado SB 21-169 (signed 2021-07-06); Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance, Market Regulation Branch)",
        "table_version": "CO-SB21169-REG10-1-1-2023",
        "table_source": "Colorado SB 21-169 §3; Colorado Code of Regulations Title 3, Article 4, Part 10-1-1 (effective 2023-11-14)"
      },
      "golden_hash": "16ca5e2ede035c13af9c556c06fb2c91d860a8a6cf1e8e3ec2fce8041181e227"
    },
    {
      "name": "pass_all_below_thresholds",
      "description": "All below thresholds: p=0.12 (not significant), effect=2pp < 5pp, premium=1.5% < 5%. No bias detected. Confirms attestation-pass path.",
      "policy_parameters": {
        "p_value": 0.12,
        "marginal_effect_pct": 2.0,
        "premium_per_1000_above_avg_pct": 1.5,
        "attestation_year": 2026
      },
      "output_payload": {
        "test_result": "PASS",
        "bias_detected": false,
        "p_value": 0.12,
        "p_value_threshold": 0.05,
        "p_value_significant": false,
        "marginal_effect_pct": 2,
        "marginal_effect_threshold_pp": 5,
        "marginal_effect_flag": false,
        "premium_per_1000_above_avg_pct": 1.5,
        "premium_threshold_pct": 5,
        "premium_flag": false,
        "remediation_required": false,
        "test_context": "approval_rate",
        "model_type": "unknown",
        "attestation_year": 2026,
        "attestation_deadline": "December 1 each year (Colorado SB 21-169 / Reg. 10-1-1)",
        "do_now": [
          "Anchor this test result at anchor.ainumbers.co/mcp (anchor_hash) before December 1 to constitute annual attestation evidence."
        ],
        "anchor_instruction": "Anchor the execution_hash at anchor.ainumbers.co/mcp using anchor_hash. The RFC 3161 timestamp IS the annual attestation evidence. One anchor per year, before November 30.",
        "pii_note": "Inputs are AGGREGATE regression outputs only (p-value, marginal effect %, premium delta). No individual applicant data, proxy scores, demographic identifiers, or personal information enters this kernel. Zero PII by construction.",
        "regulatory_basis": "Colorado SB 21-169 (signed 2021-07-06); Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance, Market Regulation Branch)",
        "table_version": "CO-SB21169-REG10-1-1-2023",
        "table_source": "Colorado SB 21-169 §3; Colorado Code of Regulations Title 3, Article 4, Part 10-1-1 (effective 2023-11-14)"
      },
      "golden_hash": "5a6d40093488d8bcce404fd4fe845f92104b205deb49041921b166d22e92f435"
    }
  ]
}