{"txn_id":"BB-RNW-0169","assessment_id":"ra_9790cdc536514cb7","occurred_at":"2026-10-21T14:52:43+00:00","state":"CO","line_of_business":"auto","stage":"renewal","program_area":"Ratemaking/Rate Classification/Schedule Rating/Premium Audits","ai_system":{"system_id":"price-opt","model_version":"7.2","vendor":"internal","vendor_name":null,"high_risk_class":"pricing"},"inputs":{"feature_classes":["telematics","credit","geography","vehicle","claims_history"],"protected_factors_used":[],"ecdis_present":true,"consumer_report_used":false,"credit_used":true,"data_source_refs":["cra://demo-bureau/score","telematics://bluebonnet/program"],"consumer_token":"tok_996481a0ff"},"output":{"decision":"rate","score":0.544,"reason_codes":[],"premium_delta_pct":5.8},"human_involvement":{"reviewed":false,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":false,"notice_sent_at":null,"reasons_provided":false,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"FLAG","summary":"FLAG: 1 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Routed to the carrier's compliance reviewer with cited findings.","narrative":"On 2026-10-21, price-opt v7.2 (an internally developed system) produced 'rate' in a CO auto renewal transaction. Inputs included telematics, credit, geography, vehicle, claims history. External consumer data and information sources were present. No human reviewed the output before it took effect. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-21 and recorded 1 finding(s); the most serious is 'ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)' (medium, L3).","findings":[{"rule_id":"co.reg-10-1-1.governance-framework-amended","layer":"L3","judgment_basis":"black_letter","advisory":false,"severity":"medium","title":"ECDIS used outside an attested governance and risk management framework (amended Regulation 10-1-1)","required_action":"Add the system to the Regulation 10-1-1 inventory, attest framework coverage, and include it in the next annual report filed through SERFF.","exhibits":["A","B"],"citations":[{"provision_id":"co-reg-10-1-1-s5","label":"3 CCR 702-10, Regulation 10-1-1 (amended, effective 15 Oct 2025), § 5.A — governance and risk management framework (life, private passenger auto, health benefit plans)","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true},{"provision_id":"co-reg-10-1-1-s6","label":"3 CCR 702-10, Regulation 10-1-1 (amended), § 6 — reporting requirements and officer attestation","source_url":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=12182","verified":true}]}],"point_in_time":{"as_of":"2026-10-21","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.941137+00:00","fingerprint":"a7a0f57cf9cc1b1d0edf0b72"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":51.1,"reviewer_role":"compliance","resolved_at":"2026-10-23T18:02:34.129400+00:00"},"ledger":{"seq":169,"hash":"9fc2b501ba4c44b73e9f15fb74a3624810d98aac201ed8e3c9084589eebf55b1","prev_hash":"8cfe1e1f5308589b0a35c7100cd25592e701846f521b8c64d4a7a2bb119d00c3","recorded_at":"2026-10-21T14:56:33+00:00"}}