---
title: "BIFSG Insurance Proxy Bias Threshold Test (Colorado SB 21-169)"
method: POST
path: "/v1/tools/test_bifsg_bias_thresholds"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# BIFSG Insurance Proxy Bias Threshold Test (Colorado SB 21-169)

`POST /v1/tools/test_bifsg_bias_thresholds`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/test_bifsg_bias_thresholds`
- Auth: none declared

Tests BIFSG proxy bias thresholds under Colorado SB 21-169 / Reg. 10-1-1 for insurance AI models. ZERO PII: accepts aggregate regression outputs only (p-value, marginal effect %, premium delta per $1,000 face) -- no individual applicant data, proxy scores, or demographic identifiers enter this kernel. Statistical prong: p < 0.05 AND marginal effect >= 5 percentage points. Premium prong (standalone): premium >= 5% above average per $1,000 face. Annual attestation due December 1: anchor execution_hash at anchor.ainumbers.co/mcp (COMPOSE, do not rebuild). Disambiguates from compute_disparity_metrics (art-229): that node applies ECOA/HMDA 4/5ths adverse impact rule for lending; this node applies Colorado SB 21-169 p-value and premium-rate bias tests for insurance AI.

**Tool URL:** https://ainumbers.co/chaingraph/art-239-test-bifsg-bias-thresholds.html

## Request body

- object
  - `attestation_year` number
  - `marginal_effect_pct` number: Percentage value
  - `model_type` unknown, required
  - `p_value` number
  - `premium_per_1000_above_avg_pct` number: Percentage value
  - `test_context` unknown, required

## Response `200`

Successful tool execution result

- object
  - `anchor_instruction` string
  - `attestation_deadline` string
  - `attestation_year` integer
  - `bias_detected` boolean
  - `do_now` string[]
  - `marginal_effect_flag` boolean
  - `marginal_effect_pct` number
  - `marginal_effect_threshold_pp` integer
  - `model_type` string
  - `p_value` number
  - `p_value_significant` boolean
  - `p_value_threshold` number
  - `pii_note` string
  - `premium_flag` boolean
  - `premium_per_1000_above_avg_pct` integer
  - `premium_threshold_pct` integer
  - `regulatory_basis` string
  - `remediation_required` boolean
  - `table_source` string
  - `table_version` string
  - `test_context` string
  - `test_result` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)