The evidence behind the guides

Sources

Find a study, check what it supports, and follow it back to a concern.

TopicCollection

Sources for Insurance surveillance

2 sources

Guide citations are still under editorial review.

Federal Trade Commission Enforcement case

General Motors and OnStar: FTC Case (original source, new tab)

Allegations about location and driving-data consent; final order announced January 2026.

National Association of Insurance Commissioners Model guidance

NAIC Model Bulletin on Use of AI by Insurers (original source, new tab)

2023 model bulletin on governance and unfair discrimination; adoption and legal effect vary by state.

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