Point-in-time re-review
The law applied to a decision is the law in force on the day it was made. The same book re-evaluated under the rules in force on another date shows which findings a regulatory change creates or removes. This is the answer to "which of last year's decisions are now out of compliance?" and to "what did the law require when you decided?".
Milestones in the corpus and rules
| 1971-04-25 | us.fcra.permissible-purpose-undocumented |
| 1997-09-30 | us.fcra.adverse-action-notice |
| 2005-04-01 | tx.542.algorithmic-denial-without-human-review |
| 2005-04-01 | tx.542.rejection-without-reasons |
| 2005-04-01 | tx.544.prohibited-basis |
| 2005-04-01 | tx.544.protected-factor-without-actuarial-support |
| 2005-09-01 | tx.559.credit-adverse-effect-notice |
| 2007-04-01 | tx.4201.adverse-determination-notice |
| 2020-09-30 | tx.tdi.third-party-data-source-unrecorded |
| 2021-09-07 | co-crs-10-3-1104-9 |
| 2021-09-07 | co.sb169.ecdis-adverse-untested |
| 2023-11-14 | co-reg-10-1-1-2023-s5 |
| 2023-11-14 | co.reg-10-1-1.governance-framework |
| 2023-12-04 | doctrine.unreviewed-adverse-high-risk |
| 2023-12-04 | doctrine.zip-credit-interaction-proxy |
| 2023-12-04 | naic-ai-bulletin-s3-1-ais-program |
| 2023-12-04 | naic-ai-bulletin-s3-4-third-party |
| 2023-12-04 | naic-ai-bulletin-s4-oversight |
| 2023-12-04 | naic.adverse-outcome-testing |
| 2023-12-04 | naic.ais-program.documentation |
| 2023-12-04 | naic.ais-program.third-party-diligence |
| 2024-07-11 | doctrine.ny.vendor-rx-score-is-ecdis |
| 2024-07-11 | ny-dfs-cl7-2024-II-B |
| 2024-07-11 | ny-dfs-cl7-2024-II-C |
| 2024-07-11 | ny-dfs-cl7-2024-III-A |
| 2024-07-11 | ny-dfs-cl7-2024-III-B |
| 2024-07-11 | ny-dfs-cl7-2024-III-D |
| 2024-07-11 | ny-dfs-cl7-2024-IV |
| 2024-07-11 | ny.cl7.adverse-decision-transparency |
| 2024-07-11 | ny.cl7.disparate-impact-assessment |
| 2024-07-11 | ny.cl7.governance-oversight |
| 2024-07-11 | ny.cl7.inventory-documentation |
| 2024-07-11 | ny.cl7.third-party-accountability |
| 2025-09-01 | tx-ins-4201-002-1c |
| 2025-09-01 | tx-ins-4201-156 |
| 2025-09-01 | tx.4201.adverse-determination-by-automated-system |
| 2025-10-15 | co-reg-10-1-1-s5 |
| 2025-10-15 | co-reg-10-1-1-s5-b-vendors |
| 2025-10-15 | co-reg-10-1-1-s6 |
| 2025-10-15 | co.reg-10-1-1.governance-framework-amended |
| 2025-10-15 | co.reg-10-1-1.monitoring-undocumented |
| 2025-10-15 | co.reg-10-1-1.vendor-ecdis-documentation |
| 2025-10-15 | doctrine.co.vendor-rx-score-is-ecdis |
| 2026-01-01 | tx-bcc-552-002 |
| 2026-01-01 | tx-bcc-552-056 |
| 2026-01-01 | tx.traiga.ai-discrimination-context |
| 2026-05-22 | precedent-pa-geico-2026 |
| 2026-05-22 | precedent.ai-flagged-cancellation-without-notice |
| 2026-06-12 | tx-tdi-b-0003-26-governance |
| 2026-06-12 | tx-tdi-b-0003-26-human-review |
| 2026-06-12 | tx.tdi.consequential-decision-without-human-review |
Try 2025-06-01 (before Texas S.B. 815 and the amended Colorado regulation), 2026-01-01 (TRAIGA in force), or today.
Pick a date to re-evaluate.