{"audience":"regulators_and_policy_staff","docket":[{"deadline":"COB Tuesday, September 29, 2026","id":"naic_v5_written","label":"NAIC AI Risk Evaluation Supplement v5.0 — written comment (four asks)","path":"docs/naic/NAIC_AI_RISK_EVAL_SUPPLEMENT_V5_COMMENT_DRAFT.md","plain":"Four asks live in this draft. Do not treat as filed until a dated copy exists under docs/naic/submitted/. There is no Sept 14 filed letter in this repository — verbal Oct 8 reiterates these same asks.","status":"draft_in_repo","to":["ssobel@naic.org","mromero@naic.org"],"url":null},{"id":"naic_oct8_verbal","label":"NAIC BDAIWG Oct 8, 2026 public Webex — verbal comment","path":"docs/naic/NAIC_OCT8_2026_VERBAL_COMMENT.md","plain":"Reverify Webex link on the NAIC BDAIWG page before speaking. Aug 31 materials timeline + secondary reporting place the comment meeting on Oct 8; official events dump may lag.","session":"Thursday, October 8, 2026, 11:00 a.m. ET (secondary + timeline sources)","status":"draft_ready","url":"https://content.naic.org/committees/h/big-data-artificial-intelligence-wg"},{"deadline":"11:59pm on 6 October 2026","id":"hmt_q15","label":"HM Treasury Q15 — agentic authentication / consent / liability","path":"docs/hmt/HMT_Q15_AGENTIC_PAYMENTS_RESPONSE.md","plain":"Submit to Modernisingpaymentservices@hmtreasury.gov.uk before close.","status":"draft_ready","url":"https://www.gov.uk/government/consultations/modernising-payment-services-regulation"},{"id":"gaaia","label":"Great American AI Act (GAAIA) discussion-draft feedback","path":null,"plain":"Public feedback channel exists. No Gate/Nisaba filed GAAIA letter is checked into this repository — do not claim one from this page.","status":"channel_open_no_filed_copy_in_repo","submit_email":"GAAIA@mail.house.gov","url":"https://trahan.house.gov/news/documentsingle.aspx?DocumentID=3783"},{"id":"regulator_page","label":"This page — stranger-verifiable mapping","path":"gate/templates/regulator.html","plain":"Separate from Bind Room, diligence, and pricing.","status":"live_when_deployed","url":"https://gate.velaru.xyz/regulator"}],"hmt_q15":{"check":"Live dogfood refuse outside allowed_categories → approved:false before any settlement; signed claim_scope is the auth/consent/liability artifact.","consultation_url":"https://www.gov.uk/government/consultations/modernising-payment-services-regulation","deadline":"2026-10-06T23:59:00+01:00","deadline_label":"11:59pm on 6 October 2026","gap_closeable":true,"honest_limit":"Issuing mouth money_real reflects Stripe+enabled config, not that a specific demo call moved funds. Demo responses set demo:true.","id":"hmt_q15","live":{"dogfood":"https://gate.velaru.xyz/demo/issuing/mouth","issuing_page":"https://gate.velaru.xyz/issuing-mouth","manifest":"https://gate.velaru.xyz/.well-known/issuing-mouth.json","webhook":"https://gate.velaru.xyz/v1/issuing/authorization"},"mechanism":"Agent authentication before settlement is live on the Issuing mouth: Stripe issuing_authorization.request → Gate AUTHORIZE/DECLINE with stranger-verifiable claim_scope. Consent is the mandate + workflow allowlist checked at auth time; liability trail is the signed receipt.","question":"Question 15: How does existing payment services regulation need to adapt to support agentic payments? For example, do provisions relating to authentication and consent of payments transactions, and liability for unauthorised payment transactions, need updating?","source":"HM Treasury — Modernising Payment Services Regulation","submit_email":"Modernisingpaymentservices@hmtreasury.gov.uk"},"live":{"evidence_head":{"public_key_fingerprint":"5622dcd04026e829","root_hash":"00aa10be23eedbfc23af85330a643a106ae4b4d65d5ed91aede05c7048b0805f","tree_size":1,"url":"https://gate.velaru.xyz/.well-known/evidence-head.json","witness_configured":false},"inclusion_ready":true,"issuing":{"issuing_enabled":true,"money_real":true,"page":"https://gate.velaru.xyz/issuing-mouth","plain":"money_real is true only when GATE_ISSUING_ENABLED and Stripe secret are set — not a claim that a demo call moved money.","webhook_secret_configured":true},"ots":{"deployed":false,"offline_proof_note":"gate/outbound/ots-proofs/ (Bitcoin block 968706)","plain":"OTS endpoint not on this origin yet (open PR #137). Empty-tree BitcoinBlockHeaderAttestation exists offline at height 968706 — not inventing a live well-known.","pr":"https://github.com/jdnova0802/mishara/pull/137","status":"not_found","url":"https://gate.velaru.xyz/.well-known/evidence-ots.json"}},"mint":"https://gate.velaru.xyz/demo/regulator/mint","naic_asks":[{"ask":"Keep the definition of agentic AI tied to irreversible action authority — not model-architecture labels.","check":"POST /demo/issuing/mouth with allowed_categories=['fuel'] and merchant_category='software' → approved:false, claim_scope.boundary=gate_issuing_workflow_category_lock.","id":"agentic_irreversible","live":{"dogfood":"https://gate.velaru.xyz/demo/issuing/mouth","manifest":"https://gate.velaru.xyz/.well-known/issuing-mouth.json","page":"https://gate.velaru.xyz/issuing-mouth","webhook":"https://gate.velaru.xyz/v1/issuing/authorization"},"mechanism":"Issuing auth mouth: every agent card authorization hits Gate Clear before settlement; workflow category miss → signed NO_GO with claim_scope.","source":"NAIC AI Risk Evaluation Supplement v5.0"},{"ask":"Third-party AI oversight must be provable artifacts a stranger can check — not vendor self-attestation alone.","check":"Mint a regulator sample below, then open proof.json and recompute root from leaf_hash + siblings against evidence-head.root_hash.","id":"exhibit_b_3p","live":{"evidence_head":"https://gate.velaru.xyz/.well-known/evidence-head.json","packet_template":"https://gate.velaru.xyz/.well-known/evidence-packet/{event_id}.json","proof_template":"https://gate.velaru.xyz/.well-known/receipt/{event_id}/proof.json","receipt_template":"https://gate.velaru.xyz/.well-known/receipt/{event_id}.json","seal":"https://gate.velaru.xyz/seal"},"mechanism":"Signed claim_scope + Ed25519 receipt + Merkle inclusion vs published evidence-head. Seal word HOLDS/BROKEN/UNSIGNED/MISSING.","source":"NAIC Exhibit B question 3p"},{"ask":"Disclosed materiality thresholds must be operational and reconcilable to production records — not ornamental PDF thresholds.","check":"force_breach:true on Issuing dogfood → NO_GO signal amount_exceeds_cap with signed claim_scope at evaluation time.","id":"materiality_enforceable","live":{"go":"https://gate.velaru.xyz/go","issuing":"https://gate.velaru.xyz/.well-known/issuing-mouth.json","prefinality":"https://gate.velaru.xyz/.well-known/prefinality.json"},"mechanism":"Prefinality mandate caps + Issuing workflow allowlists encoded in card metadata; breach/deny leaves a timestamped signed claim.","source":"NAIC self-specified materiality thresholds"},{"ask":"Model inventories must be exportable and linked to real decision / write-paths — not nicknames detached from irreversible outcomes.","check":"Walk /.well-known/gate.json → issuing_webhook / clear_api / go_api; each path is a decision surface, not a model nickname.","id":"exhibit_a_decision_paths","live":{"clear":"https://gate.velaru.xyz/.well-known/clear.json","gate":"https://gate.velaru.xyz/.well-known/gate.json","issuing":"https://gate.velaru.xyz/.well-known/issuing-mouth.json","regulator_json":"https://gate.velaru.xyz/.well-known/regulator.json"},"mechanism":"Mouth manifests enumerate live write-paths (Issuing webhook, Clear, Go, Never) with machine-readable .well-known JSON.","source":"NAIC Exhibit A Model Inventory"}],"name":"Gate — regulator verify","not":["bind_room","diligence","pricing","commercial_cta"],"page":"https://gate.velaru.xyz/regulator","promise":"Map NAIC's four asks and HM Treasury Q15 to live Gate mechanisms. One click mints a stranger-verifiable NO_GO receipt.","spec":"gate-regulator-v1","updated":"2026-09-26T23:43:32+00:00","verify":"https://gate.velaru.xyz/v1/regulator/verify"}