Runtime governance for adaptive AI.
What took days now takes minutes. What used to be caught after the fact is now caught before it commits.
Non-invasive by design. Regulator-readable by default. Priced on the basis points of what it protects.
The governance gap is now a compliance deadline.
Four open deadlines, one per vertical, sorted by soonest. Adaptive AI and connected systems in insurance, lending, autonomy, and healthcare can no longer be deployed without documented governance, human oversight, and tamper-evident audit trails.
CFPB §1071
Lenders with 100–499 covered small-business originations annually must begin reporting demographic and pricing data. Algorithmic non-discrimination evidence becomes a direct §1071 defense.
CMMC 2.0
Two-year mark from the CMMC 2.0 final rule. DoD contractors handling Controlled Unclassified Information must achieve Level 3 certification with continuous monitoring and per-decision evidence for any AI-driven security controls. ~80,000 contractors affected.
EU AI Act
Original 2 Aug 2026 deadline deferred by the Digital Omnibus on AI provisional agreement (May 2026): standalone systems now 2 Dec 2027, embedded systems 2 Aug 2028. Risk management, human oversight, and audit trails become mandatory across all 27 EU member states for high-risk AI in lending, healthcare, employment, and public services. Fines up to 7% of global turnover. The deferral confirms the audit-format gap; it does not eliminate it.
Every governed decision produces a tamper-evident record.
The ActuarialReport is one record a model, an auditor, and a regulator all read from the same line. Every governed action makes one. Every underwriting bind, actuation, learning update, and claim.
It tracks reliability, risk grade, decline rate, and a tamper-evident audit chain. It exports to NAIC, Solvency II SFCR, and AM Best BCAR. The regulator sees it before the exam starts.
Full platform overview- Commercial P&C. Reserving
- 4,320 hrs
- 99.94%
- A − (stable)
- 0.32 / 1.00
- 11.2%
- 3 · bounded to envelope
- 1 · rolled-forward to v7.3.1
Illustrative artifact. Representative of the ActuarialReport format and field set, not a record from a customer deployment. Values shown are sample values.
Eight verticals. One governance substrate.
The same runtime governance layer, tuned to the evidence each regulator reads. Carriers see loss-ratio improvement. Lenders see capital-relief benefit. Primes see ASIL-certified audit. Rating agencies see model-risk maturity.
Insurance & Reinsurance
Governed underwriting, pricing, claims, and reserving. With regulator-readable evidence exported natively to NAIC, Solvency II, and BCAR.
Commercial Real Estate
Governed deal screening, portfolio monitoring, and loss reserving with actuarial audit trail for FDIC and OCC examinations.
Autonomous Systems
Runtime actuation governance aligned to ISO 26262 ASIL-D, SOTIF, and UNECE WP.29. Above control, below intelligence.
Lending & Credit
Governed credit decisioning, adverse action, and small-business reporting. SR 11-7, CFPB §1071, ECOA, Reg B, OCC AI guidance, Colorado AI Act.
Healthcare AI
Governed clinical decision support, prior auth, and adaptive SaMD. FDA PCCP, HHS Section 1557, EU MDR ML-SaMD, state-level health-data laws.
Fraud / AML
Governed fraud detection, AML monitoring, and SAR-quality evidence. BSA, FinCEN, EU AML Regulation, SR 11-7 for AML models, NYDFS Part 504.
Agentic AI
Runtime governance for agent actions and online learning. EU AI Act Articles 9 and 12, NIST AI RMF, ISO/IEC 42001, Colorado AI Act, Texas TRAIGA, NYC Local Law 144.
Cybersecurity / MDR
Governed auto-response and classifier retraining for security AI. Continuous constraint scale, multi-tenant chains, zero customer telemetry. SOC 2 for AI, NIST AI RMF, EU AI Act Articles 9 and 12, MITRE ATLAS.
Above control. Below intelligence.
Architecture call, not a demo
Thirty minutes. We talk about what plugs in on your side. No deck, no NDA.
No vendor lock
We don't replace, retrain, or redesign your stack. We govern it from above.
We hold the patent IP ourselves. No assignment. Licenses only. Field-of-use carve-outs available per vertical. A deliberate, insurance-compatible posture, built for long-duration institutional counterparties.
Jonathan Luethke. Sole inventor on the Assured Autonomy Governor (AAG) and the Assured Learning Governor (ALG). Correspondence to the inventor is accepted directly.
Start with a conversation.
Thirty minutes. Architecture, not sales. A real conversation about what would actually need to plug in, and on what terms.