Research regulatory documents

Follow connection setup first. You need permission to view SERFF filings and regulatory documents; read-only keys work. Regulatory documents are part of the base data, so no extra data access is needed. The corpus holds statutes, regulations, bulletins, orders, bills, filing requirements, form checklists and NAIC material for every state, DC, the territories, and national NAIC material under the state code ALL.

Choose an operation

Question	Operation
Which documents are about this topic?	`GET /insurance/regulatory-documents` with `query`
Which documents match these filters, or what is new?	`GET /insurance/regulatory-documents` without `query`
What does one document say, and where is its source?	`GET /insurance/regulatory-documents/{documentId}` and its `/text`
What does it cite, and what cites it?	`GET /insurance/regulatory-documents/{documentId}/references`
What does each state require on a form, such as a notice?	`GET /insurance/regulatory-requirements`

Search by topic

Send query with words or a question. This search ranks Texas documents about cancellation notices for commercial general liability:

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-documents?query=commercial%20general%20liability%20cancellation%20notice&state=TX&limit=1" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response (summary abbreviated)

{
  "documents": [
    {
      "id": "351c780b-e92f-4e1a-b483-0b8ff51d949d",
      "state": "TX",
      "kind": "regulation",
      "identifier": "28 TAC § 5.7013",
      "title": "28 Tex. Admin. Code § 5.7013 - Notice Requirements for Cancellation and Nonrenewal for General Liability and Certain Automobile Insurance Policies",
      "status": "final",
      "publishedDate": "1986-10-03",
      "firstSeenAt": "2026-07-15T07:06:06.728230Z",
      "toiCodes": ["17.0", "19.4", "21.1"],
      "impactTags": ["underwriting", "market_conduct", "consumer_protection"],
      "summary": "This regulation establishes the mandatory notice requirements for the cancellation and nonrenewal of general liability, commercial automobile, and private passenger automobile insurance policies in Texas. ..."
    }
  ],
  "exhaustive": false,
  "nextCursor": "v1.Y2Vh..."
}

Results come from a window of the best 200 word matches and the best 200 meaning matches, so exhaustive is always false: other documents can match. Follow nextCursor to page through the window. Rankings can shift between pages when documents change. Results do not include the matching passage; read the text to find it. sort is not allowed with query. Search can take several seconds. If it fails, you get 503 temporarily_unavailable; wait for Retry-After, or list the same filters without query.

List with filters

Without query, the endpoint returns every matching document in a fixed order. Follow nextCursor until it is null; exhaustive is true.

Parameter	Meaning
`state`	Two-letter code, or `ALL` for national NAIC material.
`kind`	Document kind, such as `statute`, `regulation`, `bulletin`, `order`, `legislative_bill`, `form_checklist`.
`status`	Lifecycle status, such as `final`, `proposed`, `introduced` or `enacted`. Documents without one never match.
`toi`	Exact TOI value. `21.0` does not match `21.1`. `ALL` matches only documents tagged `ALL`.
`impact`	Impact tag, such as `rating`, `underwriting` or `forms`.
`identifier`	Exact publisher identifier. It can match several documents.
`publishedDateFrom`, `publishedDateTo`	Inclusive `YYYY-MM-DD` dates. They drop undated documents.
`firstSeenFrom`	Inclusive RFC 3339 timestamp on `firstSeenAt`.
`sort`	`-firstSeenAt` (default), `-publishedDate` or `identifier`. Missing values sort last.
`limit`, `cursor`	Page size (default 50, maximum 100) and the returned `nextCursor`.

Repeat state, kind, status, toi or impact to supply alternatives, for example state=KS&state=MO. Values within one filter are OR; different filters are AND. The API reference lists every allowed kind, status and impact value. Unknown values and unknown parameters return 400 invalid_request. Statutes have no TOI or impact tags, and most orders have none. A toi or impact filter leaves them out. TOI values also include H (health), L (life), T (title) and ALL.

Watch for new documents

Poll with firstSeenFrom and the default sort=-firstSeenAt:

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-documents?state=KS&state=MO&kind=bulletin&firstSeenFrom=2026-10-01T00:00:00Z" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response (first document, abbreviated)

{
  "documents": [
    {
      "id": "efd33d94-4338-4a28-9057-e2a5a7333133",
      "state": "MO",
      "kind": "bulletin",
      "identifier": "WC-Tax-2027",
      "title": "(2027) - Workers’ compensation administrative tax, Second Injury Fund surcharges and Administrative surcharge",
      "status": "final",
      "publishedDate": "2027-01-01",
      "firstSeenAt": "2026-10-09T01:30:29.921192Z",
      "toiCodes": ["16.0"],
      "impactTags": ["rating", "solvency", "data_reporting"],
      "summary": "The Missouri Department of Labor and Industrial Relations and the Department of Commerce and Insurance have announced the 2027 calendar year tax and surcharge rates. ..."
    }
  ],
  "exhaustive": true,
  "nextCursor": null
}

Documents are stored in batches, so a document can appear after one with a later firstSeenAt. Start each poll a little before the previous one, and drop IDs you have seen.
A backfill or a changed source page can make an old document look new. Check publishedDate.
A bill that moves to another stage is not new. Its status changes in place.

Read a document

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-documents/351c780b-e92f-4e1a-b483-0b8ff51d949d" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response (title and summary abbreviated)

{
  "id": "351c780b-e92f-4e1a-b483-0b8ff51d949d",
  "state": "TX",
  "kind": "regulation",
  "identifier": "28 TAC § 5.7013",
  "title": "28 Tex. Admin. Code § 5.7013 - Notice Requirements for Cancellation and Nonrenewal ...",
  "status": "final",
  "publishedDate": "1986-10-03",
  "effectiveDate": null,
  "firstSeenAt": "2026-07-15T07:06:06.728230Z",
  "toiCodes": ["17.0", "19.4", "21.1"],
  "impactTags": ["underwriting", "market_conduct", "consumer_protection"],
  "summary": "This regulation establishes the mandatory notice requirements ...",
  "legalRefs": [
    "28 TAC § 5.7013",
    "Insurance Code § 551.053",
    "28 TAC § 5.7014",
    "Insurance Code § 551.054",
    "Insurance Code § 551.1053"
  ],
  "sourceUrl": "https://www.law.cornell.edu/regulations/texas/28-Tex-Admin-Code-SS-5-7013",
  "fileId": null
}

publishedDate is the publisher’s date as stored. It can be missing or wrong, and a year-only date is stored as 1 January.
toiCodes, impactTags and legalRefs are null when the document was never classified, and [] when it was classified and none apply.
summary is a research aid, not the source. Most documents have none.
fileId is the stored source file, when there is one. Download it with Read and cite document evidence.

Read the text

Read the stored text in chunks, with the same contract as file text:

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-documents/351c780b-e92f-4e1a-b483-0b8ff51d949d/text?maxBytes=200" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response

{
  "documentId": "351c780b-e92f-4e1a-b483-0b8ff51d949d",
  "textRevision": "rt1.2cea7a4b2999418895c11f93320fc054fbb325c6d810e631e6c8e6aac11a4ec5",
  "text": "(a) An insurer may cancel general liability insurance policies and commercial automobile insurance policies to which this section applies by providing the notice required by Insurance Code § 551.053,",
  "location": { "startOffsetBytes": 0, "endOffsetBytes": 200 },
  "nextCursor": "v1.PbQ2..."
}

Continue with the same maxBytes and cursor={nextCursor} until nextCursor is null. Offsets count UTF-8 bytes. Documents are updated in place: when the text changes, an old cursor returns 400 invalid_cursor; start again without a cursor. A document with no text returns 409 text_unavailable. Text taken from PDFs can lose tables and layout, so the source file stays the evidence.

Follow citations

List what a document cites:

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-documents/351c780b-e92f-4e1a-b483-0b8ff51d949d/references?limit=1" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response

{
  "references": [
    {
      "relationship": "references",
      "citation": "Tex. Ins. Code § 551.053",
      "document": {
        "id": "3de80c5e-396d-4e42-9bd3-766b8587e18a",
        "state": "TX",
        "kind": "statute",
        "identifier": "insurance-code__title-5__subtitle-c__chapter-551__subchapter-b__section-551-053"
      }
    }
  ],
  "nextCursor": "v1.u9Zk..."
}

relationship is references, amends or supersedes. citation is the citation as written. document is the cited document, or null when it is not in the corpus. Add direction=in to list documents that cite this one. A document can cite laws in legalRefs without reference rows.

Compare form requirements across states

Form checklists have requirement items. List the Kansas commercial auto items for cancellation notices:

curl --request GET \
  --url "https://api.canary.effectiveai.app/api/v2/insurance/regulatory-requirements?state=KS&formType=CANCELLATION_NOTICE&toi=21.0&limit=1" \
  --header "Authorization: Bearer $EFFECTIVE_API_KEY"

Response

{
  "requirements": [
    {
      "id": "c892a541-bdf3-4ece-aaa6-6eb8eac5b223",
      "document": {
        "id": "8a2997c5-ab5f-4e20-86c9-368afcaccdae",
        "state": "KS",
        "title": "Commercial Auto Filing Checklist"
      },
      "requirement": "The insurer must send any unearned premium to the consumer along with the cancellation notice.",
      "sourceText": "Any unearned premium must be sent to the consumer with the cancellation notice.",
      "category": "DELIVERY",
      "scope": "FORM",
      "formTypes": ["CANCELLATION_NOTICE"],
      "actions": ["CANCELLATION"],
      "toiCodes": ["21.0", "21.1"],
      "legalRefs": ["K.A.R. 40-1-17", "K.S.A. 40-3118"],
      "sourceLocator": { "heading": "PREMIUM REFUND OR RETENTION", "chunkIndex": 5 }
    }
  ],
  "nextCursor": "v1.3fXa..."
}

Repeat state to compare states in one list, or use document with a checklist ID for one checklist. Other filters are formType, action, category and toi. Results are ordered by state, checklist and category, with no totals. Check sourceText against the checklist before you rely on an item: items are checklist evidence, not legal authority. Read the checklist with its document.id.

Handle errors

Response	Meaning and next step
400 `invalid_request`	Fix the request: an unknown value, `sort` with `query`, or a `limit` above 100.
400 `invalid_cursor`	The cursor expired, the query changed, or the text changed. Start again without a cursor.
404 `not_found`	The document or item is gone. A duplicate cleanup can delete a document; search again.
409 `text_unavailable`	The document has no text. Use its `sourceUrl` or `fileId`.
503 `temporarily_unavailable`	Wait for `Retry-After`, then retry with backoff.

Cursors expire 24 hours after the first page. Repeat the same parameters and limit with each cursor.

Cost

A search with query costs $0.02 plus$ 0.003 per returned document. A page of 50 costs $0.17.
A list without query costs $0.003 per returned document, and a document read costs$ 0.003.
Each text chunk costs $0.01, including each continuation.
Each citation row costs $0.003.
Each requirement item costs $0.01, in a list or a single read.
Empty pages and failed calls are free. Repeating a successful call is charged again.

Getting Started

Research guides

Filing workspace

Research regulatory documents

Choose an operation

Search by topic

List with filters

Watch for new documents

Read a document

Read the text

Follow citations

Compare form requirements across states

Handle errors

Cost

​Choose an operation

​Search by topic

​List with filters

​Watch for new documents

​Read a document

​Read the text

​Follow citations

​Compare form requirements across states

​Handle errors

​Cost

Choose an operation

Search by topic

List with filters

Watch for new documents

Read a document

Read the text

Follow citations

Compare form requirements across states

Handle errors

Cost