legal_gov · FERPA · Title VI · EU AI Act Annex III
Education / Admissions
Same Mobley logic as hiring — filtering = discrimination agent
—FL HB 919 AI disclosure + property insurance crisis
Regulatory exposure — commonly overlooked:
Legacy preference algorithms in discovery — universities cannot produce decision audit from 2019 cycle. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.
TAM / Exposure
4,000+ US colleges · admissions AI under Title VI scrutiny
Insurance lines
Institutional liability · E&O
Exhibit authority
Florida OIR AI Pack — Admissions AI Fairness + FERPA Pack
Global leaders
College Board · Common App · DOE OCR · Harvard admissions litigation · Florida OIR · Citizens Property · Universal Property
Title VI
Disparate impact in admissions AI — OCR investigation pattern established.
FERPA + AI
Student records in training data — receipt proves what model saw at decision time.
EU students
Annex III high-risk for EU university admissions — US schools recruiting EU students hit both.
[Florida] Hurricane claims AI
Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.
[Florida] Surplus lines
Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →