Checked before it happens. Recorded for the exam.

reggate checks what your AI proposes against your own rules, returns ALLOW, REFER or BLOCK, and records each decision.

Start in shadow mode See the exam export

Synthetic demo book · three decisions through the gate

The duty

A documentation duty that already exists

The NAIC Model Bulletin's documentation duties are already in force in 23+ states plus DC.

23+states plus DC

Dec 2023 NAIC Model Bulletin
Jul 2024 NY DFS Circular Letter 7
Oct 15, 2025 Colorado 3 CCR 702-10 amended

In force

The gate

Each AI system asks one gate before it acts

The program's rules answer ALLOW, REFER or BLOCK, and every decision is appended to the hash-linked ledger.

AI system

uw-copilot-v3

underwriting

AI system

claims-triage-v1

claims

The gate · program rules

bind-limit binder §4.2
high-hazard-refer binder §5.1
deny-refer claims authority §3.1
zip-guard binder §6.2

Ledger

BLOCK #1301 row 87692e56…
REFER #1302 row a071055b…
ALLOW #1303 row 9a1f535d…

Synthetic demo book · three decisions, two AI systems, one gate

One decision

Follow one decision through the gate

01 Proposed bind roofing, CO · limit $2,000,000
02 Checked Per-risk bind limit $1M · binder §4.2
03 Verdict BLOCK
04 Appended #1301, hash-linked to #1300

#1301 · uw-copilot-v3 · underwriting_bind

01 · Proposed

bind roofing, CO · limit $2,000,000

{  "program": "gl-smb",  "kind": "underwriting_bind",  "modelId": "uw-copilot-v3",  "inputs": {    "class_code": "roofing",    "state": "CO",    "pricing_basis": "full_rating_plan"  },  "proposed": {    "bind": true,    "premium": 2400,    "limit": 2000000  }}

02 · Checked against the rules in force
- bind-limit fires · blockproposed.limit > 1000000Per-risk bind limit $1M · binder §4.2
- high-hazard-refer fires · referinputs.class_code in ['roofing', 'demolition', 'blasting']High-hazard class needs human · binder §5.1
03 · Verdict
BLOCK
bind-limit · binder §4.2
04 · Appended to the ledger
#1301, hash-linked to #1300
#1300
row 8fec5df2…
#1301
prev 8fec5df2…
row 87692e56…

Synthetic demo book

Ledger

Linked, not signed

Each record commits the hash of the one before it.

#1301 BLOCK
2026-10-15 07:53:04.998 UTC
uw-copilot-v3 · underwriting_bind
prev
8fec5df2a6f62537…
row
87692e565b155a5d…
#1302 REFER
2026-10-15 07:53:05.136 UTC
claims-triage-v1 · claim_denialAlter
prev
87692e565b155a5d…
row
a071055b10ee00dd…
#1303 ALLOW
2026-10-15 07:53:05.365 UTC
uw-copilot-v3 · underwriting_bind
prev
a071055b10ee00dd…
row
9a1f535dd8fa2e3f…

Alter a stored record and the chain breaks; /v1/integrity names the broken record.

Synthetic demo book · three consecutive records

Shadow mode

See what your rules would have caught

Replay past decisions with enforcement off. Nothing is blocked; each decision records what the gate would have done.

Shadow decisions: 186
Would block: 26
Would refer: 4

Shadow reportGET /v1/reports/shadow?program=prospect-pilot

zip-guard · No proxy-variable pricing on territory alone · binder §6.2 rating basis · would BLOCK

Synthetic demo book · enforcement off

Exam export

Your decision record, exported for the exam

exam.xlsxGET /v1/exports/exam.xlsx?regime=colorado

Cover
	A	B
	Field	Value
	Regime	colorado
	Window (UTC)	2026-07-18T00:00:00.000Z to 2026-10-16T00:00:00.000Z
	Binder / program	all
	Generated (UTC)	2026-10-15T07:53:05.848Z
	Bundle digest (sha256)	sha256:e750340e5e9cc85cc9685b12645385b5ff37c22de6c37cfe29a830c21c23cf82
	Export ID	4e1c491e-aa86-4359-8ad4-f862775b737c
	Includes replayed decisions	no
	Data retention window (current setting)	365 days
	Retention changes in this window	none recorded
	PII posture in this window	full
	Redacted in this window	0
	Newest witness seq	1303
	Newest witness row hash	sha256:9a1f535dd8fa2e3f58305237568782dba11f1828d24712f9c02b5b7272c3b94f
	Newest witness anchor hash	sha256:69cbb7fedb3fd3ae8c1d85d09516ed94c3a806f9193eda9697ed3b7348f394fd
	Rows below chain version 5	0 of 1303 in this window

Decisions
A	B	C	D	E	F	G
Seq	AI system	Decision type	Verdict	Citations	Previous hash	Record hash
#1300	uw-copilot-v3	underwriting_bind	ALLOW		sha256:b5c0d888027708d618a712ce10d81c7f2e1bfd8a902597a699433bb50b0897d7	sha256:8fec5df2a6f6253767b2ff05ba96b3b3ae3103d5a12688628a43f58d491636d9
#1301	uw-copilot-v3	underwriting_bind	BLOCK	binder §4.2; binder §5.1 referral triggers	sha256:8fec5df2a6f6253767b2ff05ba96b3b3ae3103d5a12688628a43f58d491636d9	sha256:87692e565b155a5d6f447d9f6c404f119a57b9deea735bd66cc3e5bc1041af39
#1302	claims-triage-v1	claim_denial	REFER	claims authority §3.1 human review of denials	sha256:87692e565b155a5d6f447d9f6c404f119a57b9deea735bd66cc3e5bc1041af39	sha256:a071055b10ee00dd933e4eee6e58b1fa5c9ee6e96922882b1b8def163f25df4c
#1303	uw-copilot-v3	underwriting_bind	ALLOW		sha256:a071055b10ee00dd933e4eee6e58b1fa5c9ee6e96922882b1b8def163f25df4c	sha256:9a1f535dd8fa2e3f58305237568782dba11f1828d24712f9c02b5b7272c3b94f

Data lineage
	A	B	C	D	E	F
1	Source	Name	Kind	Quality check	Protected-class proxy	Decisions in window
2	applicant-submission	Broker submission form	applicant_supplied	not_applicable	no	948
3	internal-territory-tier	Territory tiering model	derived	unverified	YES	760
4	property-data-v4	Property characteristics feed	ecdis	verified	no	760
6	Decisions in window	1303
7	With no source attributed	355
8	Predating lineage capture	0

Requirement coverageregime=colorado

CO-07ECDIS / algorithm / predictive-model inventory with version control and material-change log3 CCR 702-10DERIVED (answered from the ledger)
CO-09Ongoing performance monitoring including model drift3 CCR 702-10DERIVED (answered from the ledger)
CO-06Consumer complaint and adverse-decision process documentation3 CCR 702-10DERIVED (answered from the ledger)
CO-02Board or board-committee oversight record3 CCR 702-10MISSING
CO-03Senior-management accountability assignment (named individual)3 CCR 702-10MISSING

Synthetic demo book

For engineers

Wire it in where your system decides

01Post the decisionPOST /v1/decisions
02Act on the verdictverdict · firedRules · snapshotHash
03Pull the exam exportGET /v1/exports/exam.xlsx

POST /v1/decisionsGET /v1/exports/exam.xlsx

$ POST /v1/decisions{  "program": "gl-smb",  "kind": "underwriting_bind",  "modelId": "uw-copilot-v3",  "inputs": {    "class_code": "roofing",    "state": "CO",    "pricing_basis": "full_rating_plan"  },  "proposed": {    "bind": true,    "premium": 2400,    "limit": 2000000  }}201 Created{  "id": "a4a7b31b-6101-417d-a171-c528e0e81ac9",  "verdict": "BLOCK",  "firedRules": [    {      "id": "bind-limit",      "name": "Per-risk bind limit $1M",      "severity": "block",      "cite": "binder §4.2"    },    {      "id": "high-hazard-refer",      "name": "High-hazard class needs human",      "severity": "refer",      "cite": "binder §5.1 referral triggers"    }  ],  "snapshotHash": "sha256:f14717bc…"}$ GET /v1/exports/exam.xlsx?regime=colorado200 OK · exam.xlsx · sha256:9560fc84…

Synthetic demo book

Replay last quarter with enforcement off

Send your written rules and a de-identified or synthetic sample of past decisions. Get back which rules fire and how often.

Request a shadow replay