The YouTube record

AI disclosure by creators

• YouTube requires creators to disclose AI-generated or altered content that seems realistic. In the platform's own words: “We require creators to disclose AI-generated or altered content that seems realistic.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• YouTube's listed triggers for disclosure include realistic content that makes a real person appear to say or do something they didn't, alters footage of a real event or place, or generates a realistic scene that didn't actually occur; its examples also include AI-generated music. In the platform's own words: “Makes a real person appear to say or do something they didn’t do.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• Non-realistic AI content and minor edits to realistic content do not require disclosure. YouTube's examples of exempt uses include beauty and color filters, captions, scripts, idea generation, titles and thumbnails. In the platform's own words: “Creators don’t need to disclose non-realistic content that’s made with AI, or edits to realistic content that are minor.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• Creators disclose by answering an "AI use" question in the Attributes section of YouTube Studio during upload (wording below is from the Help Center's phone-and-tablet version of the page). In the platform's own words: “In the Attributes section, under “AI use,” tap Yes if your content meets the disclosure requirements or No if not.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• YouTube states that disclosing AI use does not, by itself, limit a video's audience or its eligibility to earn money. In the platform's own words: “Disclosing AI content alone won’t limit a video’s audience or impact its eligibility to earn money.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• Creators who repeatedly skip disclosure can have a label applied manually, or face penalties including content removal or suspension from the YouTube Partner Program. In the platform's own words: “Creators who consistently choose not to disclose this information may be subject to manual application of a label, or penalties from YouTube, including removal of content or suspension from the YouTube Partner Program.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• YouTube's misinformation policy says disclosing AI use does not excuse content that otherwise breaks its rules. In the platform's own words: “this disclosure is not a free pass to violate our policies.”
  Source: YouTube Help — Misinformation policies · observed 2026-10-27
• The disclosure requirement was first announced on November 14, 2023, in a YouTube blog post by two YouTube product vice presidents. In the platform's own words: “we’ll require creators to disclose when they've created altered or synthetic content that is realistic”
  Source: YouTube Official Blog — Our approach to responsible AI innovation (Nov 14, 2023) · observed 2026-10-27
• The disclosure tool itself launched in YouTube Studio on March 18, 2024. In the platform's own words: “requiring creators to disclose to viewers when realistic content”
  Source: YouTube Official Blog — How we're helping creators disclose altered or synthetic content (Mar 18, 2024) · observed 2026-10-27

How the label appears to viewers

• Since a May 27, 2026 update, the label for photorealistic and meaningfully AI-altered or AI-generated content appears directly below the video player on long-form videos, above the description. In the platform's own words: “The label will now appear directly below the video player, above the description.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• On Shorts, the same label appears as an overlay on the video. In the platform's own words: “The label will appear as an overlay on the video itself.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• YouTube calls this the single label format for all photorealistic and meaningfully AI-altered or AI-generated content on the platform. In the platform's own words: “This is now the single label format for all photorealistic and meaningfully AI altered or generated content on YouTube.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• For non-photorealistic or animated AI content, and for non-music AI audio, the label appears in the expanded description instead. In the platform's own words: “Labels may appear in the expanded description for non-music AI-generated audio or AI content that is non-photorealistic or animated.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• In the expanded description, the disclosure sits in a "How this content was made" section, where YouTube's help center lists the disclosure type as "Made with AI." In the platform's own words: “This indicates that a video contains content that has been meaningfully altered or synthetically generated with Gen AI tools.”
  Source: YouTube Help — Understanding ‘How this content was made’ disclosures on YouTube · observed 2026-10-27
• YouTube states that a disclosure label on its own does not affect recommendations or monetization eligibility. In the platform's own words: “a disclosure label alone does not change how a video is recommended or whether it’s eligible to earn money.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• Under the original March 2024 format, most labels sat in the expanded description, with a more prominent on-video label reserved for sensitive topics. The May 2026 update replaced this with the single below-player/overlay format described above. In the platform's own words: “For most videos, a label will appear in the expanded description, but for videos that touch on more sensitive topics — like health, news, elections, or finance — we'll also show a more prominent label on the video itself.”
  Source: YouTube Official Blog — How we're helping creators disclose altered or synthetic content (Mar 18, 2024) · observed 2026-10-27

Labels YouTube applies itself

• Starting in May 2026, YouTube began rolling out internal signals to identify AI-generated content. If a creator doesn't say whether they used AI and those systems detect significant photorealistic AI use, YouTube applies the label itself. In the platform's own words: “If a creator doesn’t specify whether or not they used AI, but our systems detect significant photorealistic AI use, we will now automatically apply a label.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• YouTube's help center lists three grounds for automatic labels: content made with YouTube's own generative AI tools, content containing C2PA metadata, and content that YouTube's internal systems detect as AI-generated or altered. Creators are notified in YouTube Studio. In the platform's own words: “YouTube may automatically apply an AI label on the video player or in the expanded description for:”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• Creators who believe their content was wrongly identified can update the disclosure in YouTube Studio, except for labels that are permanent: content made with YouTube's own AI tools like Veo or Dream Screen, and content carrying C2PA metadata indicating it is fully generative AI. In the platform's own words: “Content created using YouTube’s own AI tools, like Veo or Dream Screen.”
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27
• The help center adds that labels applied after a manual review also cannot be changed by the creator. In the platform's own words: “content labeled after manual review can not be adjusted.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• YouTube carries forward AI disclosures embedded by outside tools using C2PA Content Credentials version 2.1 or higher, when they indicate the entire video was made with AI. In the platform's own words: “YouTube will carry forward disclosures from tools and creators available with secure Content Credentials (C2PA) 2.1 or higher that indicate the entire video was made with AI.”
  Source: YouTube Help — Understanding ‘How this content was made’ disclosures on YouTube · observed 2026-10-27
• YouTube's CEO wrote in January 2026 that content created by YouTube's own AI products is labeled. In the platform's own words: “We clearly label content created by YouTube’s AI products.”
  Source: YouTube Official Blog — From the CEO: What’s coming to YouTube in 2026 (Jan 21, 2026) · observed 2026-10-27
• A separate "Captured with a camera" disclosure marks video whose origin was verified with capture tools that support C2PA version 2.1 or higher, confirming its audio and visuals weren't altered. In the platform's own words: “creators must use tools with built-in C2PA support (version 2.1 or higher) to capture their videos.”
  Source: YouTube Help — Building trust on YouTube: ‘Captured with a camera’ disclosure · observed 2026-10-27
• YouTube says the absence of the "Captured with a camera" note does not mean a video was modified, and that this feature is separate from its AI disclosures. In the platform's own words: “If it’s missing, it doesn’t mean the content has modified audio or visuals.”
  Source: YouTube Help — Building trust on YouTube: ‘Captured with a camera’ disclosure · observed 2026-10-27
• On October 14, 2026, YouTube Music began rolling out labels for songs created primarily with generative AI, identified with music partners and YouTube's own detection tools. YouTube says these labels will also expand to the main YouTube app. In the platform's own words: “We're teaming up with music partners and using our own detection tools to identify AI-generated tracks.”
  Source: YouTube Official Blog — YouTube Music adds new labels for AI music (Oct 14, 2026) · observed 2026-10-27

AI content that simulates a real person

Any identifiable person can ask YouTube to remove AI content that realistically simulates them, through YouTube's privacy complaint process. This is separate from likeness detection (next section), an opt-in scanning tool.

• YouTube lets people ask for removal of content in which AI was used to make something that looks or sounds like them. In the platform's own words: “If someone has used AI to alter or create content that looks or sounds like you, you can ask for it to be removed.”
  Source: YouTube Help — Protecting your identity · observed 2026-10-27
• To qualify, the content must be a realistic altered or synthetic version of the person's likeness. In the platform's own words: “In order to qualify for removal, the content should depict a realistic altered or synthetic version of your likeness.”
  Source: YouTube Help — Protecting your identity · observed 2026-10-27
• YouTube's privacy guidelines define altered or synthetic content as content that looks or sounds like the person but was significantly edited or generated by AI. In the platform's own words: ““Altered” or “synthetic” content is content that looks or sounds like you, but was significantly edited or generated by AI.”
  Source: YouTube Help — YouTube Privacy Guidelines · observed 2026-10-27
• Removal is not automatic. YouTube weighs factors including whether the content has parody, satire or other public-interest value, whether the person can be uniquely identified, and whether it shows a public figure or well-known individual engaging in a sensitive behavior. In the platform's own words: “Whether the content contains parody, satire or other public interest value”
  Source: YouTube Help — Protecting your identity · observed 2026-10-27
• The person depicted, or their legal representative, must file the complaint; YouTube's privacy guidelines say first-party claims are required, with limited exceptions such as a parent or legal guardian. In the platform's own words: “an individual must be uniquely identifiable and that individual, or their legal representative, must submit the complaint.”
  Source: YouTube Help — Protecting your identity · observed 2026-10-27
• YouTube first announced this removal path on November 14, 2023, alongside a separate path for music partners to request removal of AI music that mimics an artist's singing or rapping voice. In the platform's own words: “request the removal of AI-generated or other synthetic or altered content that simulates an identifiable individual”
  Source: YouTube Official Blog — Our approach to responsible AI innovation (Nov 14, 2023) · observed 2026-10-27
• By April 9, 2025, YouTube said its privacy process had been updated so people can request removal of altered or synthetic content simulating their likeness, including their face or voice. In the platform's own words: “people can submit requests for the removal of altered or synthetic content that simulates their likeness”
  Source: YouTube Official Blog — YouTube supports the NO FAKES Act (Apr 9, 2025) · observed 2026-10-27

Likeness detection

• Likeness detection is an opt-in YouTube tool that scans for videos where an enrolled person's face appears to be AI-altered or AI-generated. In the platform's own words: “Likeness detection helps creators find content on YouTube where their face appears to be altered or generated by AI.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• YouTube describes the tool as experimental and not available in every country; users must be over 18. In the platform's own words: “Likeness detection is currently an experimental feature and isn't available in some countries.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• Enrollment requires a government-issued ID and a short video of the person's face. YouTube says verification may take up to 5 days. In the platform's own words: “a government-issued ID and a brief video of your face for verification.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• The help center says the tool currently matches faces only. YouTube says it is working to extend detection to audio in 2026. In the platform's own words: “At this time, likeness detection aims to find facial content that looks like you.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• On September 23, 2026, YouTube's CEO said speaking-voice detection would start being integrated with facial detection, and that likeness detection is coming to mobile. In the platform's own words: “We’ll also start integrating speaking voice detection with facial detection to improve overall match accuracy and help better safeguard your likeness.”
  Source: YouTube Official Blog — Innovation for the YouTube Era (Sep 23, 2026) · observed 2026-10-27
• When the tool finds a match, the enrolled person can file a likeness removal request under YouTube's privacy policy. In the platform's own words: “Submit a likeness removal request: Choose this option if you think the video violates our privacy policy.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• YouTube says a match does not guarantee removal. It says it preserves parody and satire, including content critiquing world leaders or influential figures. In the platform's own words: “detection does not guarantee removal.”
  Source: YouTube Official Blog — Expanding likeness detection to civic leaders and journalists (Mar 10, 2026) · observed 2026-10-27
• YouTube says it discards detection data for faces that don't match an enrolled person. Enrolled users can opt out at any time. In the platform's own words: “We immediately discard likeness detection data for faces that don't match an enrolled creators' face.”
  Source: YouTube Help — Likeness detection on YouTube · observed 2026-10-27
• In April 2026, YouTube extended the tool to talent agencies, management companies and the celebrities they represent, including people without a YouTube channel. In the platform's own words: “celebrities and entertainers are now eligible to access this tool, regardless of whether they have a YouTube channel.”
  Source: YouTube Official Blog — Expanding likeness detection to the entertainment industry (Apr 21, 2026) · observed 2026-10-27
• In May 2026, YouTube said likeness detection was expanding to all creators 18 and older. In the platform's own words: “is also now expanding to all creators 18 and older.”
  Source: YouTube Official Blog — All the YouTube news from Google I/O 2026 (May 19, 2026) · observed 2026-10-27

Impersonation

• YouTube bans unauthorized impersonation of a person, entity or channel that may mislead viewers. In the platform's own words: “YouTube does not allow unauthorized impersonation of a person, entity, or channel that may mislead viewers”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27
• Impersonation can include deceptively copying someone's branding, content or usernames. In the platform's own words: “Impersonation may include deceptively copying the branding, content, or usernames of individuals, channels or entities.”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27
• The impersonation policy names AI uses as violations, including using AI to make a famous person appear to take part in a video or endorse a product. In the platform's own words: “Using AI to make it look like a famous person is willfully participating in your video or endorsing a product”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27
• Using someone's AI-generated likeness or voice to falsely suggest they own or authorize a channel's content is also listed as a violation. In the platform's own words: “Using someone's AI-generated likeness or voice to falsely imply they own or authorize your channel's content.”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27
• Fan channels are allowed but must say so in their name or handle and make clear they aren't the original creator. In the platform's own words: “It should be obvious to your viewers that your channel doesn't represent the original creator, artist, or entity.”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27
• A channel set up to impersonate another person or entity may be removed. In the platform's own words: “If we determine that a channel was established to impersonate another person or entity, the channel may be removed to protect our community.”
  Source: YouTube Help — Impersonation policy · observed 2026-10-27

Verification (the checkmark)

• YouTube's verification badge marks the official channel of a creator, artist, company or public figure, helping viewers tell it apart from channels with similar names. In the platform's own words: “If a channel is verified, it's the official channel of a creator, artist, company, or public figure.”
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27
• Channels need 100,000 subscribers before they can apply. Only channel owners or managers can apply, through YouTube Studio. In the platform's own words: “To be eligible to apply for verification, your channel must reach 100,000 subscribers.”
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27
• A channel must be authentic, meaning it represents the real creator, brand or entity it claims to be. It must also be public and complete (banner, description, profile picture) and active. In the platform's own words: “Your channel must represent the real creator, brand, or entity it claims to be.”
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27
• YouTube says the badge is not an award or an endorsement, and verified channels get no extra features. In the platform's own words: “They also don't represent awards, milestones, or endorsement from YouTube.”
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27
• Verification is lost if a channel changes its name, and YouTube reserves the right to revoke it. In the platform's own words: “YouTube reserves the right to revoke verification”
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27
• The verification page reviewed does not address AI-generated channels or virtual personas, and does not say whether the badge can be bought. The checkmark confirms that a channel is the official channel of who it claims to be. It is not a statement about whether the channel's content is AI-made.
  Source: YouTube Help — Verification badges on channels · observed 2026-10-27

Monetizing mass-produced AI content

These rules govern whether a channel can earn money through the YouTube Partner Program. They are separate from whether content may stay on YouTube at all.

• On July 15, 2025, YouTube renamed its "repetitious content" monetization policy to "inauthentic content," clarifying that it covers repetitive or mass-produced content. In the platform's own words: “We are also renaming this policy from “repetitious content” to “inauthentic content.””
  Source: YouTube Help — YouTube channel monetization policies · observed 2026-10-27
• YouTube says this kind of content was always ineligible for monetization, and that the reused-content policy (commentary, clips, compilations, reaction videos) did not change. In the platform's own words: “This type of content has always been ineligible for monetization under our existing policies,”
  Source: YouTube Help — YouTube channel monetization policies · observed 2026-10-27
• Among the examples it lists as ineligible: AI-generated content built from generic templates that looks mass-produced and lacks the creator's own input. Image slideshows and templated storylines with minimal narrative are also listed. In the platform's own words: “AI-generated content made with generic or unoriginal templates giving the impression of mass production without adding the creator’s original, authentic insights or perspective”
  Source: YouTube Help — YouTube channel monetization policies · observed 2026-10-27
• AI tools are not banned from monetized channels. YouTube says the final product must still show the creator's own creative vision, and among its allowed examples is using AI to visualize a character and narrative the creator invented. In the platform's own words: “If you use automated tools or templates to help create your content, the final product must still demonstrate your creative vision and provide educational or entertainment value.”
  Source: YouTube Help — YouTube channel monetization policies · observed 2026-10-27
• Violating the monetization policies can lead to monetization being suspended or permanently disabled. In the platform's own words: “Violation of our YouTube channel monetization policies may result in monetization being suspended or permanently disabled on all or any of your accounts.”
  Source: YouTube Help — YouTube channel monetization policies · observed 2026-10-27
• In January 2026, YouTube's CEO said the company is extending its existing spam and clickbait systems to reduce the spread of low-quality AI content. This was a stated direction, not a new written policy. In the platform's own words: “To reduce the spread of low quality AI content, we’re actively building on our established systems that have been very successful in combatting spam and clickbait”
  Source: YouTube Official Blog — From the CEO: What’s coming to YouTube in 2026 (Jan 21, 2026) · observed 2026-10-27

Enforcement

• YouTube's Community Guidelines apply to AI-generated and AI-altered content the same as to everything else. In the platform's own words: “we apply our Community Guidelines to all content on YouTube, including content that is AI generated or altered using AI.”
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• YouTube has said a label is not always enough, and that some synthetic media will be removed whether or not it is labeled. In the platform's own words: “some synthetic media, regardless of whether it’s labeled, will be removed from our platform”
  Source: YouTube Official Blog — Our approach to responsible AI innovation (Nov 14, 2023) · observed 2026-10-27
• YouTube's CEO restated in January 2026 that harmful synthetic media that violates the Community Guidelines is removed. In the platform's own words: “we remove any harmful synthetic media that violates our Community Guidelines.”
  Source: YouTube Official Blog — From the CEO: What’s coming to YouTube in 2026 (Jan 21, 2026) · observed 2026-10-27
• YouTube's misinformation policy prohibits content that has been technically manipulated or doctored in a way that misleads users. In the platform's own words: “Content that has been technically manipulated or doctored in a way that misleads users”
  Source: YouTube Help — Misinformation policies · observed 2026-10-27
• Community Guidelines violations follow YouTube's strike system: a first violation is typically a warning, and three strikes within 90 days may lead to the channel being permanently removed. In the platform's own words: “3 strikes in the same 90-day period may result in your channel being permanently removed from YouTube.”
  Source: YouTube Help — Community Guidelines strike basics on YouTube · observed 2026-10-27
• For failing to disclose AI use, YouTube's disclosure page names manual labeling, content removal and suspension from the Partner Program (see above). It does not say whether non-disclosure alone results in a Community Guidelines strike.
  Source: YouTube Help — Disclosing use of GenAI content · observed 2026-10-27
• Not found: YouTube-published figures on how many videos have been AI-labeled, or how many have been removed or demonetized under these AI policies. No such figures appeared on the YouTube-owned pages reviewed.
  Source: Not located on a YouTube-owned page as of this review · observed 2026-10-27
• Not found: any YouTube-announced policy change tied to the EU AI Act's Article 50 transparency date of August 2, 2026. YouTube's May 27, 2026 labeling post does not mention the AI Act or any law.
  Source: YouTube Official Blog — Improving AI labels for viewers and creators (May 27, 2026) · observed 2026-10-27

Change log

Dated policy changes we have documented — from the platform's own announcements or named press. Policies change; this log records what we have seen, when.

• 2023-11-14 — YouTube announces that creators will be required to disclose realistic altered or synthetic content, with penalties including content removal or Partner Program suspension. It also announces a privacy request path for removing AI content that simulates an identifiable person, and a separate path for music partners to remove AI music that mimics an artist's voice.
  Source: YouTube Official Blog
• 2024-03-18 — The disclosure tool launches in YouTube Studio. Most labels go in the expanded description, with a more prominent on-video label for sensitive topics (health, news, elections, finance). YouTube says it may add a label itself when a creator hasn't disclosed.
  Source: YouTube Official Blog
• 2024-09-05 — YouTube announces synthetic-singing identification within Content ID, and says it is developing facial likeness detection for creators, actors and athletes, with a pilot planned.
  Source: YouTube Official Blog
• 2024-09-17 — Google says it is exploring ways to show viewers C2PA information on YouTube when content is captured with a camera. This became the "Captured with a camera" disclosure; its exact launch date was not confirmed on a YouTube-owned page in this review.
  Source: Google Blog — How we're increasing transparency for gen AI content with the C2PA
• 2024-12-17 — YouTube partners with Creative Artists Agency to give some of its talent early access to likeness-management technology.
  Source: YouTube Official Blog
• 2025-04-09 — YouTube endorses the NO FAKES Act and says its privacy process has been updated so people can request removal of altered or synthetic content simulating their likeness, including face or voice.
  Source: YouTube Official Blog
• 2025-07-15 — The Partner Program's "repetitious content" policy is renamed "inauthentic content" and clarified to include repetitive or mass-produced content. YouTube says this content was always ineligible for monetization.
  Source: YouTube Help — YouTube channel monetization policies
• 2025-09-16 — Likeness detection expands in open beta to all YouTube Partner Program creators.
  Source: YouTube Official Blog
• 2026-01-21 — YouTube's CEO names reducing low-quality AI content as a 2026 priority, to be pursued by extending existing spam and clickbait systems.
  Source: YouTube Official Blog
• 2026-03-10 — The likeness detection pilot expands to government officials, journalists and political candidates.
  Source: YouTube Official Blog
• 2026-04-21 — Likeness detection extends to talent agencies, management companies and the celebrities they represent, whether or not they have a YouTube channel.
  Source: YouTube Official Blog
• 2026-05-19 — YouTube says likeness detection is expanding to all creators 18 and older.
  Source: YouTube Official Blog
• 2026-05-27 — AI labels move to more prominent spots: directly below the player on long-form videos and as an overlay on Shorts, now the single label format for photorealistic AI content. Starting in May 2026, YouTube automatically labels undisclosed content its systems detect as significantly photorealistic AI. Labels on content from YouTube's own AI tools, or with C2PA metadata marking it fully generative AI, become permanent.
  Source: YouTube Official Blog
• 2026-08-02 — The EU AI Act's Article 50 transparency obligations take legal effect. This is an external regulatory obligation, not a YouTube policy change. No YouTube-announced revision tied to this date was found on a YouTube-owned page in this review.
• 2026-09-23 — YouTube says likeness detection is coming to mobile, and that it will start integrating speaking-voice detection with facial detection.
  Source: YouTube Official Blog
• 2026-10-14 — YouTube Music begins rolling out labels for songs created primarily with generative AI, and says the labels will also expand to the main YouTube app.
  Source: YouTube Official Blog
• 2026-10-27 — Record opened — policies as observed on this date.