VELARU LEGAL ADMISSIBILITY — SPRINT A SUMMARY
FRE 901 · Mobley · NAIC Exhibit D · process evidence lane
Nisaba LLC · August 2026
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THESIS: Litigation bifurcates into Lane A (bias/stats) and Lane B (process).
Velaru targets Lane B — governed attempts under frozen Handler law.

LANE A (702 / Daubert / FCRA):
  Mobley — vendor as agent; bias tests increasingly privileged
  Kistler v. Eightfold — Match Score as consumer report
  Illinois HB 3773 — audit trail = litigation reconstruction

LANE B (901 / spoliation / authentication):
  FRE 901(b)(9) — process/system evidence
  FRE 902(13)/(14) — qualified electronic process
  FRCP 37(e) — AI ESI spoliation (positive + negative)
  Pre-incident Handler lock + stranger /verify

NAIC AI SET (Nov 2026 vote):
  Exhibit D lineage — external validation in ordinary course

COMPANION ARTIFACTS:
  sales/Velaru-Insurer-Discovery-Production-Guide.html
  docs/Velaru-Legal-Admissibility-Memo-Aug2026.md

Pre-dispute bundle: https://velaru.onrender.com/bundle/pre-dispute
Verify: https://velaru.onrender.com/verify
Debut scorecard: https://velaru.onrender.com/debut
Research pack: https://velaru.onrender.com/research/pack-index.txt
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