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Colorado SB21-169: insurers' use of external consumer data and predictive models

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

By Reviewed

From clause to evidenceThe chain from Colorado SB21-169 to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Colorado SB21-169 (insurers' use of external consumer data), SB21-169ClauseColoradoSB21-169SB21-169Duty holder: InsurersDuty holderInsurersApplies from: 2021-09-07 (In force)Applies from2021-09-07In forceArtefact: Inventory of external data sources and models; disparity testing; chief-risk-officer attestation recordArtefactInventory ofexternal data…Layers: Layer 02 Inventory & Transparency and Layer 03 Evals & Red Teaming as Evidence and Layer 05 Assurance & Continuous ComplianceLayersLayer 02Layer 03Layer 05Evidence record: the common evidence record (Evidence record v1)Evidence recordEvidence recordv1Same topic elsewhere: no crosswalk topic files this clause yetAs of 2026-09-24 · illustrative, not a claim of conformity From clause to evidenceThe chain from Colorado SB21-169 to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Colorado SB21-169 (insurers' use of external consumer data), SB21-169ClauseColorado SB21-169 · SB21-169Duty holder: InsurersDuty holderInsurersApplies from: 2021-09-07 (In force)Applies from2021-09-07 · In forceArtefact: Inventory of external data sources and models; disparity testing; chief-risk-officer attestation recordArtefactInventory of external data…Layers: Layer 02 Inventory & Transparency and Layer 03 Evals & Red Teaming as Evidence and Layer 05 Assurance & Continuous ComplianceLayersLayer 02Layer 03Layer 05Evidence record: the common evidence record (Evidence record v1)Evidence recordEvidence record v1Same topic elsewhere: no crosswalk topicfiles this clause yetAs of 2026-09-24illustrative, not a claim of conformity
From clause to evidence Build the artefact, then file every output it produces as a record that names AIGE-OBL-USCO-SB21-169. Drawn from chapter 08.
Text alternative
  • Clause: Colorado SB21-169, SB21-169.
  • Duty holder: Insurers.
  • Applies from: 2021-09-07, In force.
  • Artefact: Inventory of external data….
  • Layers: Layer 02, Layer 03, Layer 05.
  • Evidence record: Evidence record v1.
  • Record schema: Evidence record.
  • No crosswalk topic files this clause yet.
When this obligation appliesThe date of AIGE-OBL-USCO-SB21-169 on a time axis, against its review date 2026-09-24.Earlier2024202620282030As of 2026-09-242021-09-07 · In forceAct effective 2021-09-07;duties bind through rulesper line of insurance, noneeffective before2023-01-012021-09-07 · In force · Act effective 2021-09-07; duties bind through rules per line of insurance, none effective before 2023-01-01Source: Obligation register(chapter 08)
When this obligation appliesThe date of AIGE-OBL-USCO-SB21-169 on a time axis, against its review date 2026-09-24.2021-09-07 · In forceAct effective 2021-09-07; duties bind through rulesper line of insurance, none effective before2023-01-012024202620282030EarlierAs of 2026-09-242021-09-07 · In force · Act effective 2021-09-07; duties bind through rules per line of insurance, none effective before 2023-01-01Source: Obligation register (chapter 08)
When this obligation applies The first date in the row's status, then each later step: filled once its date has passed, outlined while it is still ahead of the review date.
Data table: the dates
Dates of AIGE-OBL-USCO-SB21-169
DateStepDetail
2021-09-07In forceAct effective 2021-09-07; duties bind through rules per line of insurance, none effective before 2023-01-01
Id
AIGE-OBL-USCO-SB21-169
Instrument
Colorado SB21-169 (insurers' use of external consumer data) law
Clause
SB21-169
In scope
Insurers
Authority
Colorado Commissioner of Insurance
Applies from
In force · Act effective 2021-09-07; duties bind through rules per line of insurance, none effective before 2023-01-01

The artefact that evidences it

Inventory of external data sources and models; disparity testing; chief-risk-officer attestation record.

Patterns that build it

No pattern in the catalogue names this clause on its "Maps to" line yet; the artefact above is the engineering answer.

Source

Chapter 08, section State privacy and sector laws, checked against its sources on the review date above.

Machine-readable

Cite this obligation

García Aibar, J. (2026). Colorado SB21-169: insurers' use of external consumer data and predictive models (AIGE-OBL-USCO-SB21-169). In AI Governance Engineering: The Thesis & Body of Knowledge (v0.5.0). https://doi.org/10.5281/zenodo.22956197. https://aigovernanceengineer.com/obligations/aige-obl-usco-sb21-169. CC BY 4.0

BibTeX

@misc{aige2026obligation,
  author       = {Jorge García Aibar},
  title        = {{Colorado SB21-169: insurers' use of external consumer data and predictive models (AIGE-OBL-USCO-SB21-169)}},
  howpublished = {In AI Governance Engineering: The Thesis \& Body of Knowledge},
  year         = {2026},
  version      = {0.5.0},
  doi          = {10.5281/zenodo.22956197},
  url          = {https://aigovernanceengineer.com/obligations/aige-obl-usco-sb21-169},
  note         = {Version 0.5.0}
}