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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

—FTC algorithmic pricing scrutiny + EU Annex III

Regulatory exposure — commonly overlooked:
Insurer uses AI pricing — state DOI asks for rate filing support — receipt beats actuarial memo. · Federal agencies disagree on AI approach — but examiners agree internal logs are insufficient.

TAM / Exposure

Dynamic pricing everywhere · Robinson-Patman revival debate

Insurance lines

E&O · Class action defense · D&O

Exhibit authority

US Federal Exhibit — Algorithmic Pricing Fairness Pack

Global leaders

FTC · Amazon · Progressive · EU Commission · State AGs · NAIC · EEOC · CFPB

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.

[United States (Federal)] Agency pincer

FTC, CFPB, EEOC, and DOJ all active on AI — one receipt chain satisfies cross-agency discovery.

[United States (Federal)] Federal preemption fight

State laws filling void — multistate operators need jurisdiction-tagged receipts.

[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