Profile of evidence-bundle-spec scoped to NAIC AI Model Bulletin (Nov 2023) readiness across 6 obligation families: governance + risk-management + third-party-ai + testing-validation + consumer-protection + state-doi-examination-readiness. NY DFS CL 7 + CO 3 CCR 702-10 overlays. InsurTech scaffolding, not certification.

InsurTech Operator: per-state lifecycle ledger of US state DOI AI bulletins / circular letters / regulations / statutes. 9-state lifecycle + 6-vehicle taxonomy + state machine. Seed: CT, NY DFS CL 7, CO SB 21-169, CA Bulletin 2022-5, WA TAA 2024-04.

InsurTech audit-stream Operator: per-application / claim / pricing AI tool access events hash-chained for NAIC AI Model Bulletin + state DOI examination + NY DFS Circular Letter 7 + CO SB 21-169 + FCRA evidence. ACORD-bridged. human_adjudicator_required invariant. JSON Schema + Node verifier.

InsurTech AI Incident Card profile. 10 event types + 4-tier severity scale + 6 regulator-referral pathways with evaluation-state tracking. Covers CO SB 21-169, NAIC AI Model Bulletin governance gaps, NY DFS Circular Letter 7 ECDIS defects, FCRA dispute patterns, state DOI exam findings.