{"txn_id":"BB-RNW-0301","assessment_id":"ra_0ec48de2dc0b425b","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,"input":{"revision":1,"current_revision":1,"input_digest":"a689539b2c420b266c930897ba9364eaef7b0864060958f5e814117d9e30c09f","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":6,"general_rules_applied":2,"advisory_rules_applied":3,"rules_considered":30,"rules_applied":["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","tx.544.prohibited-basis","tx.544.protected-factor-without-actuarial-support","tx.559.credit-adverse-effect-notice","tx.tdi.consequential-decision-without-human-review","tx.tdi.third-party-data-source-unrecorded","tx.traiga.ai-discrimination-context"],"statement":"6 state-specific and 2 general black-letter rule(s) applied to this TX 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"],"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."},"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 2026-10-27, 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","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":"2026-10-31T05:42:53.489037+00:00","fingerprint":"a2648c5f7162307f4c04e9b3"},"review":null,"ledger":{"seq":5804,"hash":"0900d24885ec93beec258c025c4112513db417eae4f1f6486ce86d08b9902d17","prev_hash":"96b2559792baf7c6f53f690064aa857d8844fbdb475ef42c748b9164509f09ad","recorded_at":"2026-10-27T09:18:29+00:00"}}