{
  "tool_id": "art-267-check-producer-license-reciprocity",
  "note": "NAIC producer license reciprocity: standard states reciprocal; CA/FL/NJ/NY/HI/MN/WI non-standard require independent filing. LOA enum checks only. ZERO PII.",
  "vectors": [
    {
      "name": "all_reciprocal_or_to_tx_il_co",
      "description": "Oregon resident producer targeting TX, IL, CO (all standard NAIC states): all_reciprocal=true, no manual filing required.",
      "policy_parameters": {
        "resident_state": "OR",
        "loa_codes": [
          "L",
          "H",
          "A"
        ],
        "target_states": [
          "TX",
          "IL",
          "CO"
        ]
      },
      "output_payload": {
        "resident_state": "OR",
        "loa_codes": [
          "L",
          "H",
          "A"
        ],
        "invalid_loa_codes": [],
        "target_state_count": 3,
        "non_standard_states": [],
        "all_reciprocal": true,
        "coverage_by_target": [
          {
            "target_state": "TX",
            "is_non_standard": false,
            "reciprocal": true,
            "loa_gaps": [],
            "flags": [],
            "note": "Standard NAIC reciprocity applies; non-resident license available without exam"
          },
          {
            "target_state": "IL",
            "is_non_standard": false,
            "reciprocal": true,
            "loa_gaps": [],
            "flags": [],
            "note": "Standard NAIC reciprocity applies; non-resident license available without exam"
          },
          {
            "target_state": "CO",
            "is_non_standard": false,
            "reciprocal": true,
            "loa_gaps": [],
            "flags": [],
            "note": "Standard NAIC reciprocity applies; non-resident license available without exam"
          }
        ],
        "table_version": "NAIC-PRODUCER-RECIPROCITY-MATRIX-2024",
        "table_source": "NAIC State-Based Systems Producer Licensing Reciprocity Matrix 2024; NIPR Reciprocity Data 2024. Non-standard states: CA (no non-resident reciprocity), FL (background check required), NJ (limited life LOA), NY (independent license required), HI (limited), MN (state exam required), WI (limited P&C). Verify current matrix with NIPR before any license filing.",
        "regulatory_basis": "NAIC Producer Licensing Model Act (MDL-218): reciprocal licensing for non-resident producers if resident state has substantially similar licensing requirements. 50 USC producer licensing: state-specific. NIPR Gateway = authoritative current data. ZERO PII: state/LOA enum inputs only. Never real NPN, SSN, or PDB data.",
        "pii_note": "ZERO PII: state codes and LOA enum codes only. No NPN, SSN, PDB, producer name, or personal data enters this kernel. Use NIPR for live NPN verification.",
        "not_legal_advice": "Not legal advice. Producer licensing requirements change; verify all reciprocity determinations with NIPR and state insurance departments before submitting non-resident license applications."
      },
      "golden_hash": "7b4bf720bc32d788bc48968ddf5b6172c9e01c10d7a1b5e9d999b9438e2bbfac"
    },
    {
      "name": "non_standard_ny_ca_targets",
      "description": "Oregon resident targeting NY and CA (both non-standard): all_reciprocal=false, manual filing required for both.",
      "policy_parameters": {
        "resident_state": "OR",
        "loa_codes": [
          "L",
          "H"
        ],
        "target_states": [
          "NY",
          "CA"
        ]
      },
      "output_payload": {
        "resident_state": "OR",
        "loa_codes": [
          "L",
          "H"
        ],
        "invalid_loa_codes": [],
        "target_state_count": 2,
        "non_standard_states": [
          "CA",
          "NY"
        ],
        "all_reciprocal": false,
        "coverage_by_target": [
          {
            "target_state": "NY",
            "is_non_standard": true,
            "reciprocal": false,
            "loa_gaps": [
              {
                "loa": "L",
                "note": "NY requires independent filing or exam; verify with NIPR"
              },
              {
                "loa": "H",
                "note": "NY requires independent filing or exam; verify with NIPR"
              }
            ],
            "flags": [
              "NY_NON_STANDARD_STATE"
            ],
            "note": "Manual filing required; verify current NAIC reciprocity matrix with NIPR before filing"
          },
          {
            "target_state": "CA",
            "is_non_standard": true,
            "reciprocal": false,
            "loa_gaps": [
              {
                "loa": "L",
                "note": "CA requires independent filing or exam; verify with NIPR"
              },
              {
                "loa": "H",
                "note": "CA requires independent filing or exam; verify with NIPR"
              }
            ],
            "flags": [
              "CA_NON_STANDARD_STATE"
            ],
            "note": "Manual filing required; verify current NAIC reciprocity matrix with NIPR before filing"
          }
        ],
        "table_version": "NAIC-PRODUCER-RECIPROCITY-MATRIX-2024",
        "table_source": "NAIC State-Based Systems Producer Licensing Reciprocity Matrix 2024; NIPR Reciprocity Data 2024. Non-standard states: CA (no non-resident reciprocity), FL (background check required), NJ (limited life LOA), NY (independent license required), HI (limited), MN (state exam required), WI (limited P&C). Verify current matrix with NIPR before any license filing.",
        "regulatory_basis": "NAIC Producer Licensing Model Act (MDL-218): reciprocal licensing for non-resident producers if resident state has substantially similar licensing requirements. 50 USC producer licensing: state-specific. NIPR Gateway = authoritative current data. ZERO PII: state/LOA enum inputs only. Never real NPN, SSN, or PDB data.",
        "pii_note": "ZERO PII: state codes and LOA enum codes only. No NPN, SSN, PDB, producer name, or personal data enters this kernel. Use NIPR for live NPN verification.",
        "not_legal_advice": "Not legal advice. Producer licensing requirements change; verify all reciprocity determinations with NIPR and state insurance departments before submitting non-resident license applications."
      },
      "golden_hash": "1ca40b796d0c9fe952b7f6c66204f9274d85027b05da2302f3abdceb71f98474"
    }
  ]
}