NYDFS Insurance Circular Letter on AI — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

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

Category	Reqs	Enforced	Coverage
Senior-management accountability for the AI decision	1	1	100%
Unfair-discrimination testing evidence	1	1	100%
Consumer transparency & appeal record	1	1	100%
ECDIS selection, pricing & methodology design on the merits	1	0	0%

Every requirement → the KYE™ artefact that enforces it

ID	Title	Status	KYE™ enforcement
`nydfs-insurance-circular-ai.senior-management-accountability`	An AI-assisted underwriting / pricing decision proceeds only under a recorded named-authority decision	enforced	audit_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-testing`	Proxy-discrimination / fairness-evidence is captured before the decision proceeds	enforced	audit_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-appeal`	The decision carries an adverse-action reason and a consumer appeal / contestability record	enforced	audit_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-methodology`	ECDIS selection, risk pricing, and discrimination-testing methodology on the merits	out-of-scope	(no enforcement cited)