{"txn_id":"BB-RNW-0301","assessment_id":"ra_c66a15bfbe684449","occurred_at":"2026-10-27T09:17:11+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_ff2f7501c6"},"output":{"decision":"rate","score":0.394,"reason_codes":[],"premium_delta_pct":6.5},"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,"assessment":{"disposition":"PASS","summary":"PASS: 0 finding(s) under rules 2026.10+dbe5ddf6, corpus 2026-10-30-5f07c521. No regulatory finding; the case file is recorded.","narrative":"On 2026-10-27, 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 not adverse to the consumer. RegBench applied 11 rule(s) in force on 2026-10-27 and recorded no findings.","findings":[],"point_in_time":{"as_of":"2026-10-27","rules_version":"2026.10+dbe5ddf6","corpus_snapshot":"2026-10-30-5f07c521","engine_version":"regbench-engine/0.4.0","model_version":"deterministic-1"},"evaluated_at":"2026-10-30T11:23:23.270152+00:00","fingerprint":"b40fbfc19014154a947172d8"},"review":null,"ledger":{"seq":301,"hash":"a68a9338f5050f0bd8b3b8de992d738c0576ed8c6558c8d76a1117470ac58689","prev_hash":"117c6e195d92f81e25d55de9c942316b3cf988dc844c2b6731090418dbf597bc","recorded_at":"2026-10-27T09:18:29+00:00"}}