← Mandate Registry · 7 mandate layers · hiring

employment · EEOC Title VII · ADA · ADEA

AI Workforce / Hiring

Mobley v. Workday: vendor as employer agent — FEHA claims proceed 2026

—FL HB 919 AI disclosure + property insurance crisis

Regulatory exposure — commonly overlooked:
Carriers imposing AI governance on insureds must pass the same NAIC Exhibit D exam on their own AI — 68% outsource, 18% track vendor risk. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

$4.2B+ US EPL premium · AI hiring exposure

Insurance lines

EPL · D&O · Cyber

Exhibit authority

Florida OIR AI Pack — NAIC Exhibit D — External Validation Pack

Global leaders

AmTrust · Counterpart · EEOC · Workday · Eightfold AI · Florida OIR · Citizens Property · Universal Property

Mobley + Eightfold pincer

Discrimination (agent theory) AND FCRA process failure — two claims, one premium, vendor indemnity capped at subscription fees.

Illinois HB 3773 live

AI in hiring = civil rights issue Jan 1 2026. Notice + audit trail required. Receipts are compliance infrastructure, not nice-to-have.

Counterpart benchmark

Affirmative AI EPL with structured governance data points is shipping now. Questionnaires lose in discovery; verify links win.

[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 Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run hiring demo Regulatory calendar Download exhibit pack Verify independently