Official sources support the regulatory findings unless a statutory republication is explicitly identified. URLs are provided for retrieval; publication dates, operative dates and draft status are distinguished in the text.
- Washington OIC, claims-rule adoption register:
https://www.insurance.wa.gov/laws-rules/legislation-and-rulemaking/rulemaking?page=1 - Washington OIC, 19 October 2026 claims-rule announcement:
https://www.insurance.wa.gov/about-us/news/2026/quicker-responses-more-transparency-consumers-added-claims-process - Washington, WAC 284-30-330:
https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-330 - Washington, WAC 284-30-340:
https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-340 - Washington, WAC 284-30-360:
https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-360 - Washington, WAC 284-30-370:
https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-370 - Washington, WAC 284-30-380:
https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-380 - Texas Department of Insurance, Bulletin B-0003-26:
https://www.tdi.texas.gov/bulletins/2026/b-0003-26.html - NAIC, AI background and supervisory work:
https://content.naic.org/insurance-topics/artificial-intelligence - NAIC, Big Data and Artificial Intelligence Working Group and current exposures:
https://content.naic.org/committees/h/big-data-artificial-intelligence-wg - NAIC, AI model bulletin:
https://content.naic.org/sites/default/files/cmte-h-big-data-artificial-intelligence-wg-ai-model-bulletin.pdf.pdf - NAIC, state-action map dated 8 October 2026:
https://content.naic.org/sites/default/files/legal-adoption-map-ai-model-bulletin.pdf - NAIC, AI evaluation pilot summary:
https://content.naic.org/sites/default/files/inline-files/Pilot%20Project%20Summary_1.pdf - Colorado General Assembly, SB26-189 enacted summary and history:
https://www.leg.colorado.gov/bills/SB26-189 - Colorado Attorney General, ADMT rulemaking:
https://coag.gov/ai/ - New York DFS, third-party service-provider guidance:
https://www.dfs.ny.gov/industry-guidance/industry-letters/il20251021-guidance-managing-risks-third-party - New York DFS, MFA guidance:
https://www.dfs.ny.gov/system/files/documents/2025/09/multifactor-authentication.pdf - California DOI, SB 495 announcement:
https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release067-2025.cfm - California DOI, February 2026 curriculum-board packet:
https://www.insurance.ca.gov/0200-industry/upload/February-19-2026-Curriculum-Board-Meeting-Packet-Guest-2526.pdf - SB 495 chaptered text, statutory republication:
https://legiscan.com/CA/text/SB495/id/3272908 - California DOI, 2026 enacted consumer-protection package:
https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release035-2026.cfm - California Senate, SB 876 enactment announcement:
https://sd18.senate.ca.gov/news/governor-signs-senator-padillas-insurance-claims-reforms-law-setting-new-standard-wildfire - SB 876 chaptered text, statutory republication:
https://legiscan.com/CA/text/SB876/id/3460354 - California DOI, AB 1795 signing announcement:
https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release031-2026.cfm - California Senate, SB 354 enactment and implementation announcement:
https://sd21.senate.ca.gov/news/2026/september/landmark-consumer-privacy-bill-modernize-californias-insurance-privacy-laws - IICRC, S700 published scope and revision status:
https://iicrc.org/s700/ - IICRC, December 2025 wildfire-related revision announcement:
https://iicrc.org/wp-content/uploads/2025/12/IICRC-Revising-S700-Standard_Call-for-Members_December-2025.pdf - Washington OIC, fire-loss reporting requirements:
https://www.insurance.wa.gov/insurers-regulated-entities/data-calls-and-reporting/fire-loss-reporting-requirements
Research method and limitations: discovery searches included regulators, legislative materials, industry reporting, job advertisements, podcasts and video searches. Those secondary channels were used to identify issues, not establish legal obligations. Some official California chaptered-text pages and the Colorado signed-act download were not retrievable; the resulting statutory-detail and applicability gaps are identified rather than filled with assumptions.