{"txn_id":"BB-RNW-0172","assessment_id":"ra_845d223915854c1e","occurred_at":"2026-10-14T21:35:26+00:00","state":"TX","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":false,"consumer_report_used":false,"credit_used":true,"data_source_refs":["cra://demo-bureau/score","telematics://bluebonnet/program"],"consumer_token":"tok_c5041433c0"},"output":{"decision":"rate","score":0.378,"reason_codes":[],"premium_delta_pct":21.1},"human_involvement":{"reviewed":true,"reviewer_role":"underwriter","overridden":false},"adverse_action":{"is_adverse":true,"notice_sent_at":"2026-10-16T21:35:26+00:00","reasons_provided":true,"specific_reasons":false,"ecdis_disclosed":false,"appeal_channel":null},"carrier_note":null,"assessment":{"disposition":"HOLD","summary":"HOLD: 2 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. Held for the carrier's compliance review before the outcome is communicated; the carrier decides.","narrative":"On 2026-10-14, price-opt v7.2 (an internally developed system) produced 'rate' in a TX auto renewal transaction. Inputs included telematics, credit, geography, vehicle, claims history. A human reviewed the output by a underwriter. The outcome was adverse to the consumer; a notice was sent on 2026-10-16 with reasons stated. RegBench applied 11 rule(s) in force on 2026-10-14 and recorded 2 finding(s); the most serious is 'Credit-based adverse effect without the § 559.054 notice of reasons' (high, L2).","findings":[{"rule_id":"tx.559.credit-adverse-effect-notice","layer":"L2","judgment_basis":"black_letter","advisory":false,"severity":"high","title":"Credit-based adverse effect without the § 559.054 notice of reasons","required_action":"Hold until a notice stating the primary credit factors is generated and recorded within the 30-day window.","exhibits":["C"],"citations":[{"provision_id":"tx-ins-559-054","label":"Tex. Ins. Code § 559.054 — notice of action resulting in adverse effect (credit report)","source_url":"https://statutes.capitol.texas.gov/?tab=1&code=IN&chapter=IN.559","verified":true},{"provision_id":"tx-ins-559-001","label":"Tex. Ins. Code § 559.001(1) — 'adverse effect' (credit information in personal lines)","source_url":"https://statutes.capitol.texas.gov/?tab=1&code=IN&chapter=IN.559","verified":true}]},{"rule_id":"doctrine.zip-credit-interaction-proxy","layer":"L6","judgment_basis":"doctrine","advisory":true,"severity":"medium","title":"Geography and credit used together in an adverse decision (proxy pattern to test at portfolio level)","required_action":"Confirm the system's portfolio outcome testing covers the geography-credit interaction; link the result.","exhibits":["C"],"citations":[{"provision_id":"naic-ai-bulletin-s3-1-ais-program","label":"NAIC Model Bulletin on the Use of AI Systems by Insurers (adopted 4 Dec 2023), Section 3, 1.0 General Guidelines — the written AIS Program","source_url":"https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf","verified":true}]}],"point_in_time":{"as_of":"2026-10-14","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:22.946742+00:00","fingerprint":"4486133130a9d5055f17adce"},"review":{"status":"resolved","outcome":"remediated","hours_to_resolve":8.1,"reviewer_role":"compliance","resolved_at":"2026-10-15T05:42:45.010017+00:00"},"ledger":{"seq":172,"hash":"02c9f3954eb9931a94af0e084a608a02ee182ebe46460b6931f83d2ad71d3f88","prev_hash":"9e5133e7975b481c6b4e330fcb0ff677f2cff5914a7836b8a9a105affebc01df","recorded_at":"2026-10-14T21:38:18+00:00"}}