{
  "notice": "Illustrative mapping from the AI Governance Engineer Body of Knowledge v0.5.0 (not a claim of conformity)",
  "version": "0.5.0",
  "license": "CC BY 4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "schemaVersion": 2,
  "schema": "https://aigovernanceengineer.com/api/v1/schemas/obligation.json",
  "self": "https://aigovernanceengineer.com/api/v1/obligations/aige-obl-usco-sb21-169.json",
  "source": "https://aigovernanceengineer.com/obligations/aige-obl-usco-sb21-169",
  "citation": {
    "title": "AI Governance Engineering: The Thesis & Body of Knowledge",
    "authors": [
      "Jorge García Aibar"
    ],
    "parentDoi": "https://doi.org/10.5281/zenodo.22956197",
    "conceptDoi": "https://doi.org/10.5281/zenodo.22857084"
  },
  "obligation": {
    "id": "AIGE-OBL-USCO-SB21-169",
    "url": "https://aigovernanceengineer.com/obligations/aige-obl-usco-sb21-169",
    "json": "https://aigovernanceengineer.com/api/v1/obligations/aige-obl-usco-sb21-169.json",
    "framework": "US state privacy and sector laws",
    "frameworkId": "co-sb21-169",
    "clause": "SB21-169",
    "obligation": "Colorado SB21-169 insurers' use of external consumer data and predictive models",
    "requirement": "Insurers may not unfairly discriminate through external consumer data, algorithms or predictive models; they keep a risk-management framework, test for unfair discrimination and file a chief-risk-officer attestation under rules adopted per line of insurance",
    "artefact": "Inventory of external data sources and models; disparity testing; chief-risk-officer attestation record",
    "layers": [
      2,
      3,
      5
    ],
    "dutyHolder": null,
    "scope": "Insurers",
    "authority": "Colorado Commissioner of Insurance",
    "appliesFrom": "2021-09-07",
    "appliesStatus": "in-force",
    "appliesNote": "Act effective 2021-09-07; duties bind through rules per line of insurance, none effective before 2023-01-01",
    "milestones": [],
    "systemClass": [],
    "patterns": [],
    "crosswalkTopics": [],
    "reviewed": "2026-09-24",
    "chapter": "https://aigovernanceengineer.com/bok/regulatory-map#state-privacy-and-sector-laws"
  }
}