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housing_consumer · FTC Section 5 · Robinson-Patman Act · EU AI Act Annex III

Algorithmic Price Discrimination

FTC v. Amazon pricing algorithm — prove price at decision time or treble damages

—Colorado AI Act high-risk deployment

Regulatory exposure — commonly overlooked:
Insurer uses AI pricing — state DOI asks for rate filing support — receipt beats actuarial memo. · First comprehensive US state AI law — impact assessments require documentation Velaru generates.

TAM / Exposure

Dynamic pricing everywhere · Robinson-Patman revival debate

Insurance lines

E&O · Class action defense · D&O

Exhibit authority

Colorado AI Act Pack — Algorithmic Pricing Fairness Pack

Global leaders

FTC · Amazon · Progressive · EU Commission · State AGs · CO AG · Counterpart · Colorado Division of Insurance

ZIP proxy

Same redlining logic as tenant screening applied to insurance pricing.

CFPB UDAAP

Unfair pricing to protected class — AI without audit = strict liability inference.

EU Art 5

Prohibited manipulation of vulnerable consumers through AI pricing.

[Colorado] Developer vs deployer

Colorado splits obligations — receipt chain clarifies who documented what when.

[Colorado] Insurance nexus

Colorado insurers using AI in underwriting must comply while selling AI EPL.

[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 price_discrimination demo Regulatory calendar Download exhibit pack Verify independently