{"txn_id":"BB-RNW-0282","assessment_id":"ra_c8cef9bf58594fbb","occurred_at":"2026-10-25T02:05:49+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_93ab1ca59a"},"output":{"decision":"rate","score":0.784,"reason_codes":[],"premium_delta_pct":8.7},"human_involvement":{"reviewed":true,"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,"input":{"revision":1,"current_revision":1,"input_digest":"d5fad2af17c307f6c5a5b25f7d3c8647b8d27132b58ebfe1774820c8899bdc0e","digest_ok":true,"note":"input_digest is SHA-256 over the canonical JSON of the transaction revision assessed; it is inside the assessment the ledger hashes."},"assessment":{"disposition":"PASS","coverage":{"status":"supported","state_rules_applied":4,"general_rules_applied":2,"advisory_rules_applied":4,"rules_considered":30,"rules_applied":["co.sb169.ecdis-adverse-untested","co.reg-10-1-1.governance-framework-amended","co.reg-10-1-1.vendor-ecdis-documentation","co.reg-10-1-1.monitoring-undocumented","doctrine.co.vendor-rx-score-is-ecdis","doctrine.unreviewed-adverse-high-risk","doctrine.zip-credit-interaction-proxy","us.fcra.adverse-action-notice","us.fcra.permissible-purpose-undocumented","precedent.ai-flagged-cancellation-without-notice"],"statement":"4 state-specific and 2 general black-letter rule(s) applied to this CO auto renewal transaction. Only the configured checks were run; a result is not a legal opinion on compliance."},"evidence":{"status":"carrier_asserted","asserted":["ai_system.governance_attested","ai_system.model_doc_ref","ai_system.testing_report_ref","inputs.data_source_refs"],"missing":[],"statement":"Supplied by the carrier and not verified by RegBench: ai_system.governance_attested, ai_system.model_doc_ref, ai_system.testing_report_ref, inputs.data_source_refs."},"summary":"PASS: 0 finding(s) under rules 2026.10+c4982313, corpus 2026-10-30-9c5dad5a. No configured check fired; the case file is recorded. This is not a compliance conclusion.","narrative":"On 2026-10-25, 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. A human reviewed the output by a underwriter. The outcome was not adverse to the consumer. RegBench applied 10 rule(s) in force on 2026-10-25 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-25","basis":"transaction_date","rules_version":"2026.10+c4982313","corpus_snapshot":"2026-10-30-9c5dad5a","engine_version":"regbench-engine/0.5.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-31T05:42:53.423027+00:00","fingerprint":"ed3cbdbba0a3b9681a47fbed"},"review":null,"ledger":{"seq":5785,"hash":"2694c5fd922a1dd3953438423d5814e9d69b4e2426d902741836dd8bf40698db","prev_hash":"63aaff2a64db9b47758bc627b63f4ad356ee8d95760fdcb179cdd072ddabea4d","recorded_at":"2026-10-25T02:07:19+00:00"}}